Invest Smarter

Expert Funding Solutions Tailored to You

At Independence Funding, we go beyond traditional commercial lending—because we’re investors too. We provide private money, hard money, and DSCR rental loans, along with ground-up construction financing for both single-family and multifamily properties, as well as forward funding for affordable housing developments. Our experience allows us to deliver more than just capital—we offer insight, strategy, and guidance that help transform your real estate goals into long-term success.

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Invest Smarter

Empowering Investors with Smarter Financing

From acquisition to refinance, our lending solutions are personalized to fit your unique goals.

Rehab
Loans

Fast, flexible funding to transform properties and boost their value.

Development

from land acquisition to construction - taking a property from concept to completion.

Explore a wide range of investment options, tailored to your financial goals.

Start Investing

Rental
Loans

Reliable, long-term financing for steady cash flow investments.

Creative strategies that drive smarter, faster investment funding.

Super grateful for this team. Helped me get a refi done in a pinch and very straight forward and helpful with any questions I had. I will be using this team again for future projects!
Erick G.
Investor
If you’re in need of funding for your investments, I highly recommend Independence Funding! They recently helped me refinance my portfolio, allowing me to pull equity out while keeping a strong DSCR.
Krista C.
Investor
Highly recommend these professional lenders! They've helped me with several cash out refinances at great rates! They're very knowledgeable working with investors, buy and hold, rental properties, acquisitions or refis.
Jack K.
Investor
Great rates ! Fast closing ! Great service ! We have used them for fix and flip and long term refinancing and highly recommend them ! Did I mention great service 🙂
Rachel L.
Investor
I had a great experience working with Brighton and team funding a private loan for one of their clients. They gathered all of the necessary due diligence, made the process seamless.
Ben B.
Investor
Working with Independence Funding on two closings was a very smooth process! I appreciate their quickness and ability to have 100% funding on one of the transactions. If you need capital, reach out to them.
Nathan Y.
Investor
Fantastic service. Smooth transaction. Blaize was always on top of the game. When my loan didn’t work out with lender 1, he already had lender 2 lined up and closed. The whole process took about 3 weeks.
Tam H.
Investor
I used independence funding for my last rate and term refinance on a 30 year note. The refinance went very smoothly and they were very communicative throughout the whole process.
Alex A.
Investor
Really enjoy working the guys at independence Funding. From my many quest being answered to be flexible with my schedule I highly recommend them. Thanks guys can’t wait for the next
Quavyon G.
Investor
Super easy experience getting our private money deal done! Will definitely be using them again…soon!!! Thank you so much to the entire team!
Vivi
Investor
I couldn't recommend Independence Funding enough. They made the whole process for getting my purchase and rehab money smooth.
Michael M.
Investor

Super grateful for this team. Helped me get a refi done in a pinch and very straight forward and helpful with any questions I had. I will be using this team again for future projects!
Erick G.
Investor
If you’re in need of funding for your investments, I highly recommend Independence Funding! They recently helped me refinance my portfolio, allowing me to pull equity out while keeping a strong DSCR.
Krista C.
Investor
Highly recommend these professional lenders! They've helped me with several cash out refinances at great rates! They're very knowledgeable working with investors, buy and hold, rental properties, acquisitions or refis.
Jack K.
Investor
Great rates ! Fast closing ! Great service ! We have used them for fix and flip and long term refinancing and highly recommend them ! Did I mention great service 🙂
Rachel L.
Investor
I had a great experience working with Brighton and team funding a private loan for one of their clients. They gathered all of the necessary due diligence, made the process seamless.
Ben B.
Investor
Working with Independence Funding on two closings was a very smooth process! I appreciate their quickness and ability to have 100% funding on one of the transactions. If you need capital, reach out to them.
Nathan Y.
Investor
Fantastic service. Smooth transaction. Blaize was always on top of the game. When my loan didn’t work out with lender 1, he already had lender 2 lined up and closed. The whole process took about 3 weeks.
Tam H.
Investor
I used independence funding for my last rate and term refinance on a 30 year note. The refinance went very smoothly and they were very communicative throughout the whole process.
Alex A.
Investor
Really enjoy working the guys at independence Funding. From my many quest being answered to be flexible with my schedule I highly recommend them. Thanks guys can’t wait for the next
Quavyon G.
Investor
Super easy experience getting our private money deal done! Will definitely be using them again…soon!!! Thank you so much to the entire team!
Vivi
Investor
I couldn't recommend Independence Funding enough. They made the whole process for getting my purchase and rehab money smooth.
Michael M.
Investor

Super grateful for this team. Helped me get a refi done in a pinch and very straight forward and helpful with any questions I had. I will be using this team again for future projects!
Erick G.
Investor
If you’re in need of funding for your investments, I highly recommend Independence Funding! They recently helped me refinance my portfolio, allowing me to pull equity out while keeping a strong DSCR.
Krista C.
Investor
Highly recommend these professional lenders! They've helped me with several cash out refinances at great rates! They're very knowledgeable working with investors, buy and hold, rental properties, acquisitions or refis.
Jack K.
Investor
Great rates ! Fast closing ! Great service ! We have used them for fix and flip and long term refinancing and highly recommend them ! Did I mention great service 🙂
Rachel L.
Investor
I had a great experience working with Brighton and team funding a private loan for one of their clients. They gathered all of the necessary due diligence, made the process seamless.
Ben B.
Investor
Working with Independence Funding on two closings was a very smooth process! I appreciate their quickness and ability to have 100% funding on one of the transactions. If you need capital, reach out to them.
Nathan Y.
Investor
Fantastic service. Smooth transaction. Blaize was always on top of the game. When my loan didn’t work out with lender 1, he already had lender 2 lined up and closed. The whole process took about 3 weeks.
Tam H.
Investor
I used independence funding for my last rate and term refinance on a 30 year note. The refinance went very smoothly and they were very communicative throughout the whole process.
Alex A.
Investor
Really enjoy working the guys at independence Funding. From my many quest being answered to be flexible with my schedule I highly recommend them. Thanks guys can’t wait for the next
Quavyon G.
Investor
Super easy experience getting our private money deal done! Will definitely be using them again…soon!!! Thank you so much to the entire team!
Vivi
Investor
I couldn't recommend Independence Funding enough. They made the whole process for getting my purchase and rehab money smooth.
Michael M.
Investor

Personal Service

The Independence Advantage

Explore what makes us exceptional in the lending industry. Experience innovative solutions, personalized services, and seamless transactions.

Experience Lending Tailored Just for You

Custom Lending Solutions Backed by Creative Strategies — Experience personalized financing designed to meet your unique investment needs. Our tailored approach ensures you get the right funding, on your terms, with flexible options for rehab, rental, and development loans.

EXPLORE OUR PRODUCTS

EXPLORE OUR BENEFITS

Customized Capital Solutions for Building Wealth Through Real Estate

Explore what makes us exceptional in the lending industry. Experience innovative solutions, personalized services, and seamless transactions.

Private Money

capital sourced from individuals — not banks — who are looking to earn strong, secured returns on their money. These lenders are often people with idle cash in savings accounts, IRAs, or investment portfolios who want to put that money to work in real estate without doing the heavy lifting.

Private Money

DSCR

A DSCR loan is a fixed-rate investment loan that qualifies borrowers based on the property’s cash flow rather than personal income, making it ideal for real estate investors. Approval is determined by the Debt Service Coverage Ratio (DSCR)—calculated as net rent divided by the monthly loan payment.

DSCR

Forward Funding

Forward funding is a financing structure in which a lender or investor provides capital for a development project up front—often before construction begins or while it is still underway. This model is especially valuable for affordable housing, as it gives developers early confirmation of funds and greater financial certainty during the development process. Frequently paired with state tax credit programs, forward funding creates unique opportunities to keep projects moving forward and deliver much-needed affordable housing to communities.

Forward Funding

Additional Benefits

EXTRA TOOLS

Personal Consulting on Goals, Lending, and Growth

Dive deeper into our lending consulting services, designed to elevate your financial strategy. With tailored insights and solutions, we help you navigate the complexities of real estate financing, empowering you to make informed decisions and adapt to changing market conditions.

Financial Goals

Partner with our in-house strategists to set clear, achievable financial goals that align with your investment vision. Whether you're focused on debt consolidation, reducing liabilities, expanding through acquisitions, or optimizing dispositions, we offer tailored solutions to help you reach your objectives. Our experts work with you to create a customized plan, ensuring that your financial path is not only manageable but also aligned with your long-term growth and investment goals. *We are not certified financial advisors

Lending

Our expert guidance is tailored to your investment goals. We provide customized financing strategies, helping you navigate the complexities of securing loans for rehab, rental, and bridge projects. With a deep understanding of the market, we adjust our approach to ensure the best outcomes, empowering you to scale your investments with confidence and flexibility.

Growth

Fuel your growth with tailored lending strategies designed to help you scale efficiently. Our consultants work closely with you to identify opportunities for expansion, whether through targeted acquisitions, strategic financing, or optimized loan structures. We focus on aligning your financial needs with growth goals, offering flexible solutions that enable you to seize new opportunities while managing risk. Let us guide you through every step, ensuring your path to growth is clear, manageable, and aligned with your long-term vision.