Lending Solutions

When the Bank
Says No

A bank turndown is not the end of a good deal. As a private direct lender in Arizona, we underwrite the asset and the exit — and make the decision ourselves.

Submit a Deal All Solutions
Why Banks Pass

Good Deals Get Turned Down

Banks are built for standardized loans. When a deal doesn't fit the box, the answer is often no — or a yes that arrives too late to matter.

The most common reasons we see: the asset type is outside the bank's appetite (land, hospitality, special-purpose); the property is transitional, vacant, or mid-renovation; the timeline is shorter than the bank's process; the borrower's tax returns or credit don't tell the whole story; or the structure — a partner buyout, a note purchase, a bankruptcy exit — simply isn't something a credit committee will touch.

We underwrite differently. Our loans are asset-based. We look at the property's value and location, the borrower's experience, and above all the exit — how the loan gets repaid. If we can get comfortable with the exit, we can usually find a structure that works.

The decision is ours to make. There is no committee behind us. The principals reviewing your deal are the ones who approve it, so you get a real answer quickly — typically within 24 hours of a complete submission.

Private capital is a bridge, not a destination. Most of our loans run 6 to 24 months: long enough to stabilize, finish, or reposition the property, then refinance into bank or agency debt once the deal fits the box.

Turndowns We Fund

Typical reasons borrowers come to us after a bank says no.

Deal Profile

  • Transitional or Vacant Assets
  • Land & Pre-Development
  • Short Timelines
  • Complex Structures

Common Scenarios

  • Non-Bankable Borrowers
  • Distressed or Transitional Assets
  • Cash-Out Refinances
  • Bridge to Permanent Financing

How We Underwrite

  • Exit-First Analysis
  • Asset Value & Location
  • Borrower Experience
  • No Committee Approval
FAQ

After a Bank Turndown

Will a bank turndown hurt my chances with you?

No. Many of our borrowers come to us after a bank passes. We underwrite the asset and the exit, not the bank's checklist.

Do you require tax returns?

Our loans are asset-based, so the property and the exit carry most of the weight. We will ask for what we need to understand the deal and the borrower's experience.

How much can I borrow?

It depends on the program. Bridge loans go up to 75% LTV and hard money loans up to 70% LTV; construction loans go up to 85% of cost. Land is case by case.

How do I get out of a private loan?

Usually by refinancing into conventional financing once the property is stabilized or complete, or by selling. We agree on that exit before we fund.
Loan Programs

Programs for Bank Turndowns

Get Started

Bank Said No? Let's Talk.

Tell us about your deal and what the bank said. We'll review it directly and respond, typically within 24 hours.

Or call us at
(480) 345-3990

Reviewed quickly — typically within 24 hours.