Built for speed, scale, and serious investors.
Hard Money • 30-Year DSCR • Multifamily • 100% Private Money (Purchase + Repairs)
Whether you're flipping, holding, or scaling a portfolio — we have the capital structure built for your next move.
Hard money deals close in as little as 5–7 business days. We move at the speed of opportunity — not bureaucracy.
We routinely approve LTVs that other lenders won't touch. More capital, less cash out of pocket, better returns.
Our private money program covers 100% of purchase AND 100% of rehab. Reserve your capital for the next deal.
Dedicated deal officers who understand complex commercial transactions — not junior processors reading scripts.
Fill out our 2-minute form. Deal size, property type, timeline.
A senior loan officer reviews your deal and calls you within hours — not days.
Receive a clear, no-obligation term sheet with loan amount, rate, and structure.
Sign docs, receive wire. Your deal gets done — on time, every time.
"Top Shelf funded my 24-unit apartment acquisition in under two weeks. Other lenders couldn't even return my calls. These guys are the real deal — professional, fast, and they understood my deal from day one."
"The 100% private money program is unlike anything I've seen. I put $0 down on my last two flips, made a combined $190k, and I'm already closing my third deal with Top Shelf. They're my go-to lender, period."
"I needed a DSCR loan for a 12-unit building and had a terrible W2 situation. Top Shelf underwrote entirely on cash flow — approved in 3 days, funded in 18. My accountant was blown away. I've already referred four colleagues."
Our loan officers are standing by. Submit your deal details and we'll have a response within hours — not days. No commitment required.
A senior loan officer will reach out within 2 business hours. Check your email for a confirmation.
Our hard money loans are asset-based, short-term bridge loans perfect for acquisitions, refinances, and time-sensitive opportunities that traditional banks simply can't move fast enough on.
Debt Service Coverage Ratio loans are the holy grail of long-term rental financing. Qualify entirely on the property's cash flow — no personal income docs, no tax returns. Built for portfolio builders.
From 5-unit apartment buildings to large mixed-use complexes, we offer bridge, permanent, and construction financing for multifamily real estate investors across the US.
Our most powerful program. We fund 100% of the purchase price AND 100% of the renovation budget for qualified fix-and-flip and value-add deals. Keep your capital working across multiple deals simultaneously.