Transactional 1st-Lien Capital for Real Estate Investors.
Direct balance-sheet lender funding small-balance residential investment acquisitions across Tennessee: wraps, short bridges, and transactional funding. Net-funded through local title with zero upfront fees.
Loan Program
The Ridge Lending Box
A tight, transparent credit box built for speed on small-balance Tennessee acquisitions. Every term below is indicative and confirmed in writing on your signed term sheet.
Long-Term
5–7 year amortizing
12% fixed
4% origination ($2,000 min)
No balloon · 0% prepayment penalty
Short Bridge
30 days–12 months, interest-only
12% fixed
4% origination ($2,000 min)
Priced extension option
Transactional
Up to 7 day closes
0.5–1% per day
No origination fee
Double closes & gap needs; days 4–7 by arrangement
- Asset Class
- Non-owner occupied 1–4 unit residential
- Geography
- Tennessee, focused on Shelby County / Greater Memphis
- Loan Range
- $30,000 to $60,000
- Max LTC
- Up to 80% of Purchase Price (max 70% As-Is Value)
- Collateral Floor
- $50,000+ confirmed as-is value (comps + photo BPO)
- Servicing
- Third-party professional servicing (automated ACH)
- Speed
- Term sheet target: 1 business day on a complete intake. Closing timeline confirmed in writing on your term sheet.
Process
Contract to Wire in Four Steps
Submit Contract
Send the executed purchase contract and property basics through the intake form below.
Term Sheet Issued
Our credit desk underwrites the deal and targets indicative terms within 1 business day of a complete intake.
Title & Doc Prep
An approved Tennessee title attorney prepares lien documents; professional third-party ACH servicing is set up.
Net Wire to Title
Proceeds are wired net of fees directly to closing title, on the timeline confirmed in writing on your term sheet.
FAQ
Common Questions
Who can borrow from Ridge Lending?
Bona fide business entities only: LLCs or corporations acquiring non-owner-occupied 1–4 unit residential investment property in Tennessee. We do not lend to individuals in their personal name.
Is this a consumer or home mortgage loan?
No. Every loan is strictly commercial and business-purpose, secured by investment real estate. We do not originate consumer, owner-occupied, or personal-purpose mortgages of any kind.
What does it cost to apply?
Nothing upfront. Origination is scaled to loan size at 4% of the loan amount with a $2,000 minimum, net-funded out of proceeds at closing. You never write us a check to get a term sheet. Standard third-party closing costs (title search, lender's title policy, recording) are borrower-paid at closing, as is customary. Transactional funding is the exception: no origination fee, priced at 0.5–1% per day.
How fast can you close?
Indicative term sheets are targeted within 1 business day of a complete intake. Your closing timeline is confirmed in writing on your term sheet, and closings run through an approved Tennessee title attorney.
Can I pay the loan off early?
Yes. Amortizing loans are fully amortizing over your selected 5, 6, or 7-year term with a 0% prepayment penalty and no balloon payment at maturity. Bridge and transactional loans are short-term by design and repaid at exit.
Do you offer shorter loans than 5 years?
Yes. In addition to 5–7 year amortizing loans, we offer interest-only bridge loans from 30 days to 12 months with a priced extension option, and separate transactional funding for closes up to 7 days at 0.5–1% per day with no origination fee (standard 1–3 days; days 4–7 by arrangement).
Who services the loan after closing?
A professional third-party servicer. Payments are collected by automated ACH and you receive full online account access.
Deal Intake
Submit a Deal
Complete the intake and our credit desk responds with an indicative term sheet within one business day.
- Term sheet target: 1 business day on a complete intake
- Borrowing entities only: LLC or Corporation
- Zero upfront fees; origination scaled to loan size, net-funded at closing