Savvy Fix-and-Flip Investors:

"Make Your Next Real Estate Profit With Our Money!"

Seasoned Investors Can Get Up To $3 Million Line Of Credit, After your First Flip with Us *

Loans Up To 90% LTV Of Purchase Price + 100% Of Rehab Costs

Loans Up To 90% LTV Of Purchase Price + 100% Of Rehab Costs

*This is only offered through this site.
Only 45 Seconds to Learn Your Options...

Take The Survey

Complete our simple survey and see if you qualify for a Private loan

Talk with a Loan Officer

Talk with our friendly loan officers and they will help answer any questions and work to solve any hurdles for you.

Explore Your Options

Stress-Free and No-Obligation will explore what your options are & see what fits best for your goals

Why Choose Us?

We are a true hybrid real estate finance company – We directly fund most private loans in house and have access to dozens of outside lenders & investors to fund virtually any kind of loan. Additionally, we work closely with many local community banks that take a “common sense” approach to commercial lending.

Our team has over 60 years of lending experience to make sure your loans close fast, with the lowest rates, and reasonable terms.

Our Promise

Competitive Rates & Fees

We offer competitive pricing and unmatched speed on all transactions!

Flexible Loan Programs

We have a diverse set of in house loan programs, investors & lender network to fund most loan scenarios.

Robust Technology

Our web based technology streamlines loan intake, doc upload, & loan processing.

On-time, Fast Closings

We close loans faster than our competition, and eliminate the communication gaps. Private loans close usually within 7-10 days!

Easy Application

Our Quick & Full App intake process is fast, easy & smart. We know what info to ask for & what docs are required for you to upload.

Dedicated Account Rep

Every borrower at CLS is a VIP, that's why you get a dedicated account rep that always knows your loan status.

Recently Funded Deals

Bronx, NY

Permanent Financing - Acquisition
4.25% 30 yr Amo

Queens, NY

Private Loan - Acquisition
9%, 12 Months Interest Only

Brooklyn, NY

Permanent Financing - Cash-out Refi
5.25%, 25 Year Amo


Most frequent questions and answers

-Extensions Available

-Application fee

-Bank / Lender fee



-Title Policy Required

-Insurance Policy Required

-Extensions Available

A hard money loan is a loan acquired through a private lender instead of through a traditional bank. Hard money loans are typically asset based, which means our primary focus when determining a loan amount is based mostly on the value of the collateral itself.

Yes.  Will we consider 2nd liens in special situations where the collateral and exit strategy and aceptable to the investment committee.

We base our approvals on the quality of the property, the experience of the borrower, and the overall likelihood that the project will be successful. While we do review credit history, it is not the primary component of our decisions, and many borrowers with damaged credit are able to be approved.

A typical loan can be funded in 7 – 10 days.

The subject property you are requesting a loan for will be used as the collateral and personal guarantee.

At the beginning of the loan process, we will typically ask for much of the same documentation that a bank would require; however, we don’t ask for this documentation to look for reasons to say “no”! 

We use common-sense underwriting principles to examine the character, experience, and capacity of each borrower, and have flexibility in our documentation requirements. Your online pre-approval letter will contain the list of documentation requirements applicable to your loan request.