Fast, transparent lending with tailored financing terms across real estate, private equity, and business sectors.
Flexible Capital for Your Next Projects
Why Choose AlignCF: Speed of funding (approvals in 8 days) - Transparent terms - Flexible use cases - Personalized underwriting - Relationship support.
Large Financing Deals
The right financial path for your company’s growth.
Explore new opportunities with our team — we’re ready to fund your next deal.
LOAN TYPES:
Unique Ground-Up Construction Loan Offerings
Nationwide Lending Coverage: Access financing wherever your projects take you.
Asset-Based Loans: Up to 90% of total project cost: including 75% for land purchase or As-Is Value and 100% for construction.
Transparent Costs: No minimum interest, unlimited draws, and no hidden fees.
Flexible Inspections: Opt for a convenient self-inspection using our mobile feature
Pay-As-You-Progress: Save over 50% on monthly payments during rehab.
Endless Financing: Your journey continues smoothly with unlimited support.
Rate and Terms Overview
Project Type: 1-4 Unit Residences, Condominiums, 5+ Unit Multi Family, Mixed Use
Loan Amount: $250,000 - $10,000,000
Loan To Value (LTV): Up to 90% LTC
Rent Coverage Ratio: Not Applicable
Loan Term: 12-36 Months
Interest Rate: Starting at 9.99%+
Rehab Financing: 100%
Proceed Usage: Purchase, Refinance, Renovation, Bridge,
Those Who Qualify: US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score: 680
Points: 2%+
Pre-Payment Penalty: None
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Lite Doc Commercial Mortgages Offer
Nationwide lending coverage
Asset-based loans up to 80% of the purchase price
Quick closing, in as little as 3 weeks
In-house underwriting and funding
No income verification or tax returns required
Extended amortization, exceeding traditional bank constraints
Limitless investment opportunities with flexible financing solutions
Rate and Terms Overview
Project Type: Apartments (5-21+ Units), Industrial, Warehouse, Multi Family, Shopping Centers, Offices.
Loan Amount: $100,000 - $10,000,000
Loan To Value (LTV): Up to 80%
Rent Coverage Ratio: 1.2x
Loan Term: 5/7/10/15 or 30 Years
Interest Rate: Starting at 8%+
Rehab Financing: Not Available
Proceed Usage: Purchase, Refinance, Unrestricted Cash Out
Those Who Qualify: US Citizens, Foreign Nationals and Permanent Resident.
Minimum Credit Score: 650
Points: 2%+
Pre-Payment Penalty: Options of 5.5.5 or 5.5.5.5.5, 3.2.1 or 5.4.3.2.1
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Unique Bridge Loan Offerings for Multi-Family and Mixed-Use Properties
Nationwide lending coverage
Asset-based loans up to 75% acquisition, 100% renovation cost
Quick closing, in as little as 2 weeks
Non-credit-sensitive, approval in 24 hours
In-house underwriting, funding, and draws
No prepayment penalties, pay only for what you use
Efficient back-office support at no extra cost
Rate and Terms Overview
Project Type: Multi Family (5+), Mixed Use
Loan Amount: $250,000 - $10,000,000
Loan To Value (LTV): Up to 75%
Rent Coverage Ratio: 1.1x
Loan Term: 12 to 36 Months
Interest Rate: Starting at 10.5%+
Rehab Financing: 100%
Proceed Usage: Purchase, Refinance, Cashout
Those Who Qualify: Experienced or Newbies to Real Estate
Minimum Credit Score: 650 (Lower is case-by-case)
Points: 2%+
Pre-Payment Penalty: None
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Additional Lending Programs:
Acquisition.
DSCR Portfolio Loans.
Equipment Financing
Cannabis Loans & Buy-Out.
Storage Real Estate Financing.
Full Doc Commercial Mortgage.
Owner & Non-Owner-Occupied Loans.
The capital you need to grow — fast, flexible, and reliable.
Apply with AlignCF today.
Financing terms, interest rates, and availability are subject to underwriting review, credit approval, and project eligibility. Not all applicants will qualify for all loan products.
Borrowers FAQ
Find answers to the most common questions our borrowers ask.
What types of loans does AlignCF offer?
AlignCF provides a range of financing options including construction loans, commercial mortgages, bridge loans, and specialty loan programs for acquisition, fix & flip , DSCR portfolio, equipment financing, and more.
Once approved, you can access loan status and documentation through AlignCF’s borrower portal for tracking, document uploads, and ongoing communication.
You can reach our team via the Contact page or through the borrower portal support tools. Our team is here to help throughout your loan journey.