© WHERE WE LEND LITTLE ROCK · AR
HARD MONEY LENDER LITTLE ROCK
A direct lender for Little Rock deals that banks will not touch, priced on the asset, not the paperwork.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
State government, healthcare and river logistics keep Little Rock's tenant base employed through cycles. Hillcrest and the Heights hold the character housing that renovators chase, SoMa and the East Village downtown absorbed the adaptive reuse money, West Little Rock is where the newer subdivision product lives, and North Little Rock's Argenta district trades across the bridge.
Little Rock is one of the Arkansas markets Loan Goat lends in year round. Pulaski County files and deals in Jonesboro, Fort Smith and Fayetteville are underwritten identically, on value, exit and the plan for the property.
The whole point of a private lender is that the deal decides the answer. On Little Rock property that means value, exit and plan, reviewed by the same desk that releases the funds. Veteran-owned, in business since 2022, 1.3K+ loans closed.
© THE COST LITTLE ROCK · AR
WHAT DO LITTLE ROCK HARD MONEY LOANS COST
Pricing a Little Rock deal is straightforward. Bridge runs from 9.00% to 13.00% and moves with leverage and risk. Ask for more of the purchase price and the rate moves up; bring a stronger exit and it moves down. Residential bridge goes to 75% LTV and commercial to 70%.
Every quote is written before an appraisal is ordered, so a Little Rock investor knows the rate, the leverage, the term and the fees while there is still time to walk. No prepayment penalty on the bridge programs means a flip that sells in four months costs four months of interest, not twelve.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those numbers are the ceiling and the floor. A Little Rock deal gets priced inside them once the property and the exit are on the table, usually the same day the file is opened.
© WHY LOAN GOAT LITTLE ROCK · AR
WHY LOAN GOAT IN LITTLE ROCK
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A private lender earns its rate by being fast and being sure. On Little Rock property that shows up as a written quote the same day, an appraisal ordered only once the terms are agreed, and a wire inside a week. The rate buys the speed and the certainty.
Early twentieth century craftsman and colonial revival through Hillcrest and the Heights, postwar brick ranch across the midtown belt, and older brick commercial buildings downtown that convert well to residential or mixed use. That stock is exactly what the bridge and fix and flip programs are built for.
Renovation flips in the historic neighborhoods, steady buy and hold across the midtown and southwest rental belt, and small multifamily near the medical campuses. Commercial conversion downtown suits investors with a longer horizon. The program follows the plan, not the other way round.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
LITTLE ROCK DEALS, FUNDED FROM SAN DIEGO.
Pulaski County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS LITTLE ROCK · AR
MOST COMMON LITTLE ROCK LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Little Rock replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Little Rock auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Little Rock real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Pulaski County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Pulaski County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Little Rock investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Pulaski County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Little Rock whose write-offs make a bank file impossible.
- VACATION RENTAL Little Rock vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Little Rock who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN LITTLE ROCK
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES LITTLE ROCK · AR
PROPERTY TYPES WE FINANCE IN LITTLE ROCK
- MULTI-FAMILY Two to four unit buildings and small apartment stock in Pulaski County, purchase or cash-out.
- MIXED-USE Retail-over-residential buildings in Little Rock commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in Pulaski County with a repositioning plan.
- OFFICE Little Rock office assets being repositioned or bridged to a conventional exit.
- INDUSTRIAL & WAREHOUSE Warehouse and flex space in and around Little Rock, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning in Little Rock bridged to an SBA or conventional exit.
© THE APPROACH LITTLE ROCK · AR
HOW WE LEND IN LITTLE ROCK
Most lenders compete on one line of that table. This one is built to hold every line at once, which is why a Little Rock borrower gets leverage and speed in the same quote rather than trading one for the other. If the numbers do not work, you are told early and directly.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
LITTLE ROCK BORROWERS, IN THEIR WORDS
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Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ
© QUESTIONS LITTLE ROCK · AR
LITTLE ROCK HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Little Rock and across Pulaski County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Little Rock files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Little Rock deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Pulaski County. Owner-occupied has its own program. If the Little Rock asset produces or will produce value, there is usually a structure for it.
Property types -
Yes. Commercial is one of our nine programs, so a Little Rock office, retail or mixed use building in Pulaski County can be financed on a bridge or commercial structure. We underwrite the asset, the business plan and the exit. Business purpose bridge runs up to 75% loan to value, with sizes reaching $25,000,000.
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Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
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.
Self-employed borrowers -
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.
Bridge loan terms
© WHERE WE LEND LITTLE ROCK · AR
LITTLE ROCK, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE LITTLE ROCK · AR
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(619) 617-2797
