We fund Real Estate Investors, Landlords, and Small Business Owners.

Private Lending for any real estate investment. Hard Money Loans if you are flipping a house, renovating a rental unit, or need a bridge loan. We provide investment loans for single family homes, multifamily, and all commercial properties. We can fund your success.Loans available from $20,000 to $2,000,000.Anderson Capital Lending works quickly to fund your projects and deals. When qualified, we typically fund you in less than two weeks. We communicate often so that there are never any surprises. We lend where we know the communities, we visit every property in-person ourselves, and we shake every borrowers hand.We live and work locally, so you will get more than just competitive rates — Anderson Capital Lending can give you the benefit of our extensive knowledge and experience. Partner with us on your purchase, refinance, construction, or rehabilitation of any investment, business-related, or commercial property.Partnering with us pays off.

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Loan Types

Renovation LoanThis loan is designed for investors who want to buy a property, fix it up and then either sell or refinance it.12-month loan with a balloonBasic terms of the loan:
- 12% interest per annum.
- Interest-only payments.
- 5 points paid at closing.
- 12 month loan.
- $350 inspection/valuation fee. This fee is due at the time of our property visit and valuation.
- $95 per draw fee.
- No prepayment penalty.
- Personal guarantees required.50-70% LTV based on the ARV and local market conditions.This is a commercial loan. Property cannot be owner-occupied.

Small Balance CommercialA loan for investors and owners of commercial and multifamily properties.Loan terms vary depending on the property's current income, the local market, and the relationship that we have with the borrower.We offer favorable terms for owner occupiers, major capital expenditures, and other bridge loan scenarios.Currently funding loans up to $2,000,000.We can create custom repayment terms to fit your business profile. Processed locally in Michigan with knowledgeable, attentive, and professional service from start to finish.

Construction LoanThis loan is designed for real estate professionals and tradesmen working on major renovations and construction projects.Stop maxing out credit cards! You will pay much less interest with a proper loan. The money you save will juice your returns and let you move on to the next deal quickly.

Rental Unit LoanMany investors would like to buy more properties to scale their business, but traditional financing can be difficult to find in the current lending environment.- 12% interest per annum. Interest and principle payments.
- 5 points paid at closing.
- 60 month loan. Fully amortizing. The loan will be paid in full after 5 years.
- $350 inspection/valuation fee. This fee is due at the time of our property visit and valuation.
- No prepayment penalty.
- Personal guarantees required.50-70% LTV based on the ARV and local market conditions.This is a commercial loan. Property cannot be owner-occupied.

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The Process

STEP ONE: APPLICATION
Submit the Initial Loan Application on this website. We will be able to tell quickly if you qualify for regular loan terms. If appropriate, we will issue a Loan Commitment based on your application. If you are not a good candidate for us, then we will give you a referral to another lender that is a better option.STEP TWO: DOCUMENTS
After the Loan Commitment, we will ask you to provide additional information. Depending on the deal, we may ask for:-Copy of Sales Contract
-Copy of Driver’s License
-Detailed list of repairs and draw schedules, including material and labor costs, copies of any contractor estimates
-Copies of any appraisals or inspection reports
-If you are borrowing with your company or LLC, we will need to see your company documents
-Addresses of any cross-collateral property
-After approval, you will pay for any 3rd party costs (like Title Insurance), but any fees will always be disclosed to you ahead of timeSTEP THREE: TITLE WORK
After all documents are received, title inspection of the property will be ordered. If an additional valuation inspection is required, then our inspector will contact you directly to set up a day and time. Payment for this inspection MUST be paid before or at the time of inspection and is non-refundable.STEP FOUR: INSURANCE & CLOSING
When everything checks out, loan funds can be made available to you through a closing settlement with a title company, AFTER you provide evidence of your own insurance for the project. You will be responsible for closing and insurance costs.
*If you are still in the negotiation process, we encourage you to have the Seller pay as much as possible toward closing costs. The lender will not care, and it will keep your costs as low as possible.STEP FIVE: CONSTRUCTION/RENOVATION DRAWS (If Applicable)
If your loan is a renovation or construction loan, then we typically require 2-4 draws. At each completion phase, you call us to have a property inspection arranged. You are responsible for the $150 construction draw/ inspection fee. Once your work checks out, we will release the next draw. The final draw will not be released until the project is completed.STEP SIX: SELL OR REFINANCE
Most of the loan terms (see Step One) require you to sell or refinance the property to ensure full payoff of the loan. If you planned everything appropriately, then you should be walking away from the project with a good payday.You are welcome to use your pre-approval from your first successful deal to receive future loan commitments from us!Your approval process just got much easier, as you no longer need to re-apply the next time you find a deal.

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Frequently Asked Questions

What is a hard money loan?A hard money loan is a loan based primarily on the value of the property (a "hard" asset) and not on the income or credit of the borrower. Asset-based lenders like us focus primarily on the value of the asset, traditional banks and lenders focus chiefly on the credit and income of the borrower.Traditional loans are generally for 15–30-year durations, private and hard money loans are usually a temporary alternative (1–5 years) as a "bridge" to acquire a property, renovate, stabilize it, and then have it ready to be sold or refinanced into a traditional bank loan.Why choose Anderson Capital over a conventional lender?1) Quick Funding– Conventional banks take a minimum of 30-45 days to finance an individual family residential loan and anywhere between 60–90 days to finance a commercial loan. We can typically fund in 10 days or less.2) The Property Needs Work– Due to conventional banks' very conservative underwriting guidelines, most will not lend on properties needing repair. However, a private money lender will be happy to loan on a property that either lacks cash flow or needs upgrades.3) Not based on credit or income– Traditional banks rely heavily on a borrower’s credit score, reported income, and the borrower’s ability to repay the debt. As a result, traditional banks turn down even strong income borrowers such as doctors, lawyers, business owners. Private Lenders like Anderson Capital play a key role in lending to borrowers based on the asset value versus the individual borrower.What type of properties qualify for Private and Hard Money Loans?Single Family (for investments)
Multi-Family Properties
Mixed-Use Properties
Commercial Properties (Flex/Light Industrial, Retail Centers)How long is the term of a hard money loan?Typically, hard money loans or bridge loans have terms of 12 months. However, Anderson Capital sometimes offers loans for up to 60 months depending on the situation and property.How fast can hard money loans close?In some cases, Anderson Capital can close within days if title, valuation, and insurance are in place! The average turnaround time is 7-10 business days.Are Private and Hard Money Loans a Good Idea?Absolutely. Private and hard money loans allow real estate investors and business owners the flexibility to close quickly without having to go through a long and extensive underwriting process. Private lending also allows investors to deploy more capital than they can with traditional lenders.My credit is bad, can I still get a loan?
Yes. While we consider credit scores, it’s not the most important criteria. The property is most important, followed by cash reserves, then your experience and then credit scores.Why are cash reserves so important?
The primary way that private lenders lose money is when the borrower runs out of money in the middle of a project. It’s critical to us that you have enough working capital. The amount of working capital required will be different for different loan scenarios. We determine the amount of cash needed for your loan based on the bullet points below.- Points and closing costs
- Construction draws (we inspect and pay the money due for a construction draw after the work is completed)
- Monthly Payments
- Rehab projects never go as planned. We want extra money available in case the project exceeds the construction budget.I want to apply for the Rental Unit Loan, what is the best way to get approved?
- Have a good quality property that is 50-70% LTV or less.
- Have the property rent ready prior to the closing of the loan.
- Have experience as an operator of rental properties.
- Have an adequate cash reserve.What are the loan minimum and maximums?
Typically we loan from $20,000 to $2,000,000. Our maximum is determined by our comfort with the project, property, and borrower.How do the construction draws work?
After we approve the loan, you will use our form and create a draw schedule. For example if it’s a $100,000 construction draw, broken down into two $50,000 draws, you would get the first $50,000 of work done, and then we come out and confirm the work was done. We can then fund the draw with a check, ACH or wire transfer.What happens if you come out to do the home valuation, but then I can’t get the property under contract, do I receive a refund on the $350 inspection fee?
As a rule of thumb, if we ‘pass’ on the loan, then we will refund the fee. But if you don’t close, or choose to go with another lender, then we keep the fee. We put a lot of work in getting you approved, and once you pay the home valuation fee, we set the money aside for you, which means we can’t lend it to other people.How much are the closing costs?
We can’t really answer that for you, because it’s between you and the title company. We can, however, tell you what our fees are:- $350 Application/Valuation fee
- 5 Points
- $95 per draw (for any draws taken)
- Legal document/Loan prep fee (typically paid at loan closing)How fast can I be approved for a loan?
If you call today, we can usually have you approved within 3 business days.

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Learn More

9 Definitions and Terms to Unlock Private and Hard Money LoansWhat to do when the Bank is Not HelpingThe Basics of a Loan AgreementPrivate Lending for Small Business Owners and Commercial LandlordsIf you can flip a house, why not flip an apartment building?Quick Tips for Flipping a House with Private or Hard Money Partners

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Company

Anderson Capital Lending is the financial solutions and lending arm of Anderson Capital Investment, a focused and strategic real estate investment services company founded in 2016 by two cousins.We have experience successfully "flipping" houses, multifamily apartment buildings, and entire mobile home communities. This work has been rewarding for us personally and good for the communities where we work.Industry veterans and capital partners complete our team and share in our successes. Contact our Investor Relations to join us.

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Answer all questions to the best of your ability.The more accurate and complete your answers, the quicker you can be approved.

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Investors

We offer competitive returns paid monthly, with generous liquidity accommodation. We have never missed a distribution to our investors.Reach out anytime for a more complete discussion with our Managing Partner, John GardnerWe also offer strategic advisory services, commercial real estate investment sourcing and consulting if you are looking to invest more actively.Contact us for more information.

Privacy PolicyLast updated: August 04, 2023This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.We use Your Personal data to provide and improve the Service.By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.Interpretation and Definitions
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of this Privacy Policy:
Account means a unique account created for You to access our Service or parts of our Service.
Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Anderson Capital Investment, 2950 S. State St, Suite 225, Ann Arbor, MI 48104.
Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
Country refers to: Michigan, United States
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
Personal Data is any information that relates to an identified or identifiable individual.
Service refers to the Website.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Website refers to Anderson Capital Lending, accessible from https://andersonfundsyou.carrd.co/
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Collecting and Using Your Personal Data
Types of Data Collected
Personal Data
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:
Email address
First name and last name
Phone number
Address, State, Province, ZIP/Postal code, City
Usage Data is collected automatically when using the Service.
Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.
We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.
Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:
• Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
• Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).
Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. Learn more about cookies on the Free Privacy Policy website article.
We use both Session and Persistent Cookies for the purposes set out below:
Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
Functionality Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.
For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.
Use of Your Personal Data
The Company may use Personal Data for the following purposes:
To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Us.
For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.
We may share Your personal information in the following situations:
• With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
• For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
• With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
• With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
• With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
• With Your consent: We may disclose Your personal information for any other purpose with Your consent.
Retention of Your Personal Data
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.
Transfer of Your Personal Data
Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.
Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.
The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.
Delete Your Personal Data
You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You.
Our Service may give You the ability to delete certain information about You from within the Service.
You may update, amend, or delete Your information at any time by signing in to Your Account, if you have one, and visiting the account settings section that allows you to manage Your personal information. You may also contact Us to request access to, correct, or delete any personal information that You have provided to Us.
Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.
Disclosure of Your Personal Data
Business Transactions
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.
Law enforcement
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
Other legal requirements
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:
• Comply with a legal obligation
• Protect and defend the rights or property of the Company
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of Users of the Service or the public
• Protect against legal liability
Security of Your Personal Data
The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.
Children's Privacy
Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.
If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.
Links to Other Websites
Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Changes to this Privacy Policy
We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.
We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Contact Us
If you have any questions about this Privacy Policy, You can contact us:
By email: [email protected]
By visiting this page on our website: https://andersonfundsyou.carrd.co/#contact
By mail: 2950 S. State St, Suite 225, Ann Arbor, MI 48104