HARD MONEY LENDER ARKANSAS

Yes, Loan Goat funds investor property across Arkansas, including Little Rock, Fort Smith, Fayetteville, Springdale and Jonesboro. We are a veteran-owned direct private lender headquartered in San Diego, and we have closed more than 1.3K loans since 2022. Bridge, fix and flip, construction, rental property DSCR and commercial are all available in the state. Call (619) 617-2797 and you will reach someone who can price the deal.

Houses and small multifamily serving University of Arkansas students in Washington County are rental property deals, and our DSCR program underwrites them on the asset and its income. If a unit needs work before the lease cycle opens, bridge financing covers the purchase and the rehab first. Springdale and Rogers investors run the same play, and we lend on all of it.

Speed is the point here. A clean bridge file closes in five to seven days, sometimes three. Pulaski County flips often come out of estates and auctions where the seller wants certainty above everything, so proof of funds from a direct lender carries real weight. Send the address, the purchase price, the scope and the exit strategy, and terms follow the same day.

Small multifamily in Craighead and Sebastian counties fits both our rental property and commercial programs, depending on the unit count and how the asset is held. Value-add buildings that need units turned before anyone can lease them usually start as a bridge loan, then move into long-term rental financing. Blanket loans consolidate several buildings under a single facility when the portfolio grows.

Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.

Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.

No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.

Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.