© WHERE WE LEND SAN DIEGO HQ · OKLAHOMA
HARD MONEY LENDER OKLAHOMA
Loan Goat funds real estate investors in Oklahoma City, Tulsa and Norman with in-house capital and speed.
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
Loan Goat lends across Oklahoma, in Oklahoma City, Tulsa, Norman, Broken Arrow and Lawton. The people we fund are investors: the flipper rehabbing a midcentury ranch, the landlord building a rental portfolio one door at a time, the operator buying a small commercial building. Business purpose, non-owner-occupied, underwritten on the property itself and funded with capital we control outright.
Oklahoma investors work two metros and a lot of good secondary markets. Oklahoma City spreads wide, with postwar ranch and brick stock, solid rental demand and steady suburban build around Norman and the surrounding county. Tulsa carries the older, prettier housing: Craftsman bungalows, midtown singles and art deco-era buildings downtown. Broken Arrow grows as the family suburb. Lawton runs on the military economy.
Our headquarters is in San Diego and we lend in Oklahoma. There is no branch here to route your file through, and that is the advantage rather than the drawback. In-house capital means our own money is at risk, so the answer is quick and it is final. Bridge, fix and flip, construction and DSCR rental all close in 5 to 7 days.
Oklahoma real estate investors buy postwar ranch and brick homes in Oklahoma City, Craftsman bungalows and midtown stock in Tulsa, and student-adjacent rentals near the University of Oklahoma in Norman. Broken Arrow draws build-to-rent and newer suburban product. Lawton turns on housing tied to Fort Sill. Downtown Tulsa and the Oklahoma City warehouse districts keep pulling small commercial and industrial conversion money.
© OKLAHOMA LOCATIONS SAN DIEGO HQ · OKLAHOMA
EXPLORE OUR OKLAHOMA LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
- Oklahoma City Oklahoma County, out to Norman, Lawton, Tulsa.
- Tulsa Tulsa County, out to Broken Arrow, Oklahoma City, Norman.
- Norman Cleveland County, out to Oklahoma City, Lawton, Tulsa.
- Broken Arrow Tulsa County, out to Tulsa, Oklahoma City, Norman.
- Lawton Comanche County, out to Norman, Wichita Falls, Oklahoma City.
© THE COST SAN DIEGO HQ · OKLAHOMA
WHAT DO OKLAHOMA HARD MONEY LOANS COST
Pricing an Oklahoma deal works the same way it works anywhere else on this book. Bridge money runs from 9.00% to 13.00% and moves with leverage, property type and exit. Leverage runs to 75% on residential bridge and 70% on commercial, and business purpose loans reach $25,000,000.
Every Oklahoma file gets a full term sheet up front: rate, leverage, term, points and conditions, in writing, before third-party costs are incurred.
| 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.
© WHY LOAN GOAT SAN DIEGO HQ · OKLAHOMA
WHY LOAN GOAT IN OKLAHOMA
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Community banks here still lend on relationships, and relationships take time you do not have when a property hits the market at the right price. A direct private lender solves that inside a week. We underwrite the property, not the borrower, and our bridge starts at 9.00% with up to 75% LTV and no prepayment penalty on an early exit.
Nine programs, and most of them earn their keep in this state. Fix and flip for the Tulsa bungalow, construction for a Broken Arrow build, DSCR rental for the Oklahoma City hold, commercial for a Lawton retail strip, blanket loans across a portfolio in Oklahoma and Tulsa counties. Minimal documentation keeps a bridge file moving when paperwork is the only obstacle.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
OKLAHOMA, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. Oklahoma files run on the same written terms, the same in-house capital and the same five to seven day timeline as the home markets.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN OKLAHOMA
The full program stack is available on Oklahoma property: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages, and blanket loans over multiple assets. The plan for the property decides which one applies.
- 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
© THE APPROACH SAN DIEGO HQ · OKLAHOMA
HOW WE LEND IN OKLAHOMA
Nine programs, and most of them earn their keep in this state. Fix and flip for the Tulsa bungalow, construction for a Broken Arrow build, DSCR rental for the Oklahoma City hold, commercial for a Lawton retail strip, blanket loans across a portfolio in Oklahoma and Tulsa counties. Minimal documentation keeps a bridge file moving when paperwork is the only obstacle.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
OKLAHOMA BORROWERS, IN THEIR WORDS
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This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...
ERIC MANLUNAS -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...
ERIC MANLUNAS
© QUESTIONS SAN DIEGO HQ · OKLAHOMA
OKLAHOMA 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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Loan Goat funds business-purpose real estate loans throughout Oklahoma, including Oklahoma City, Tulsa, Norman, Broken Arrow and Lawton. We are a direct private lender with in-house capital and no loan committee, so the terms you are quoted are the terms you close on. Bridge, fix and flip, construction, DSCR rental, commercial and blanket loans are all available. Call (619) 617-2797 and we will size it.
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Most deals close in 5 to 7 days, and a clean bridge file can fund in as fast as 3 days. Oklahoma County wholesale and off-market buys reward the investor who can genuinely perform, so minimal documentation and one decision maker matter more than a marginally lower rate. Send the address, the price and the rehab scope to get terms.
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Student-adjacent rentals in Cleveland County are business-purpose property and we fund them on bridge or DSCR rental. The rent carries the underwriting, so your personal income is not the gate you have to pass through. Single-family and small multifamily both qualify, and blanket loans let you combine several Norman doors into one facility as the portfolio grows.
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Commercial is one of our nine programs, covering retail strips, small office, small-bay industrial and mixed-use. Downtown Tulsa conversions and Lawton retail both fit comfortably. Bridge goes up to $25,000,000 for bigger assets, at 75% LTV on residential and 70% on commercial. Call (619) 617-2797 with the property type and your plan for it.
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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.
All loan programs -
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.
How funding works -
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 SAN DIEGO HQ · OKLAHOMA
OKLAHOMA, FUNDED FROM SAN DIEGO.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE SAN DIEGO HQ · OKLAHOMA
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