Lending Programs Designed to

Cut through the red tape

We’ve redesigned the lending process. We cut all the red tape and made it simple. Type in everything we need to know, and schedule calls with our team members for the quickest and most transparent loan process the industry has seen.

Lending Program Guidelines

What Type of Loans do you Provide?

Fix / Flip / Rehab / Cash-out Refinances / Other Secured Notes / Novation / Subject To/Debt Service Coverage Ratio (DSCR)

Do you Engage in Joint Ventures with Borrowers / Investors?

Yes

Typical Loan Sizes

Secured Loans Only $50k - $600k +

Asset or Property Types

SFR, Townhomes, Multi- Family, In Fill Lots

Ineligible Properties / Loan Types

Raw land, Condos, Owner Occupied

Typical Loan Term

Up to 12 Months

Lien Position

1st Position Mostly, 2nd Position Limited to Special Cases

Max Loan to Value (LTV)

Up to 70% of Improved Value

Max Loan to Cost

Up to 75% of Purchase Price

Interest Rate

Starting at 11% Interest Only

Origination Fee

Starting at 1.5% of Loan Amount

Hazard Insurance Required

Lender Must be Listed as Additional Insured

Application Fee

$150 Background Check, Soft Credit Pull

Lender Fees

Starting at $1,395 for Doc Prep, Processing, BPO, Etc

Other Closing Costs

Customary Title, Recording, Transfer Taxes, Etc

Occupancy

Non-Owner Occupied Only

Pre-Payment Penalty

None

Foreign Nationals

Up to 65% Loan to Cost, United States Based Corporation Asset Only

Turnaround

Typically Less Than 14 Days

Appraisal

May Be Required

Getting a loan

is easy!

Apply Online

Kick off the process with a simple online application, available 24/7 for your convenience.

Submit Your Documents

-Purchase Agreement

-3yrs Tax Returns

-6 Months Bank Statements

-Driver's License

-Scope of Work (Renovation)

-Articles of Incorporation, Bylaws

-LLC Operating Agreement

-As-Is Pictures / Video of Property

Review Final Details

Discuss the final details, review the terms. Prime Pinnacle will send loan documents to the title company and you will receive your funds in approximately 14 days.

Borrower Testimonials

My situation didn’t fit the box for traditional lenders, but Prime Pinnacle understood the value of my property and gave me the temporary capital I needed. That loan made all the difference. Banks didn’t want to touch my project because of my self-employed income, but Prime Pinnacle looked at the deal itself. They believed in me when no one else would, and now my project is complete.

Kevin M, Orlando, FL

I just needed a short-term solution to finish renovations before refinancing. They gave me the funds quickly, and I was able to wrap up my project and refinance into permanent financing without missing a beat. Because of this loan, I was able to purchase a property at a steep discount, complete the rehab, and exit with a huge profit. They gave me the opportunity to succeed when traditional financing wasn’t an option.

Susan S, Palmetto, FL

Borrower FAQs

What are your interest rates?

Interest rates do fluctuate due to market conditions and borrower credit worthiness. As of August, 2025 our short term loan rates range from 9.99-13.999%

What documents do I need to provide to get a loan?

With our streamlined process, the documentation needs are individually based on your application and funding needs. We will share a secure document portal link so you can upload your documents safely and securely.

What are your minimum credit score requirements?

We do not have a minimum credit score requirement as we do not base our lending decisions on traditional credit scores and credit history. We rely on a comprehensive background check in our underwriting of your financing application.