Up to 100% Funding for Your Next Fix & Flip.
You bring the deal; we bring the money. Avera Lending partners with new and experienced real estate investors to close fast — no credit score gymnastics, no endless paperwork.
Built to close deals, not delay them.
We transcend the role of a conventional private money lender. We're your partner in building enduring, sustainable wealth through real estate.
It's Fast
Flipping is a time-sensitive business. Close in days to weeks — not the 1–3 months traditional banks demand.
Collateral, Not Credit
We look at the value in the property, not your credit score. The asset backs the loan.
Tailored Solutions
Every investment is unique. We build financing around your goals, not a cookie-cutter underwriting box.
Proven Expertise
CEO Rhonda Avera brings deep real estate experience and a results-driven track record.
Integrity & Trust
Transparent, ethical, and committed to long-term partnerships — not transactional lending.
End-to-End Support
Private money, JVs, POF letters, Collateral DNA Reports, and off-market lead lists — all in one place.
Every type of deal. Every price range.
We fund homes as-is or needing repairs — across every price range, nationwide.
Fix & Flip Loans
Up to 100% financing on purchase + rehab.
Private Money Lending
Asset-backed loans with common-sense underwriting.
Joint Venture Funding
We partner on deals — new and seasoned investors welcome.
Bridge Loans
Short-term capital to bridge between transactions.
Ground-up Construction
Financing for new construction projects from the ground up.
Rental Loans
Long-term financing for buy-and-hold rental properties.
Commercial Loans
Commercial real estate financing tailored to your project.
Jumbo Loans
Larger loan amounts for high-value investment properties.
Proof of Funds Letters
POF letters to back your offers with confidence.
Collateral DNA Reports
Deep-dive property analysis to underwrite smarter.
Debt Stack Reports
Understand the capital stack on any property.
Off-Market Lead Lists
Nationwide leads — avoid the competition saturation.
From contract to close — in 4 steps.
The biggest blunder investors make is shopping for money too early. Get the property under contract first — then bring us the deal.
Prospect Properties
Find distressed or undervalued properties that match your investment strategy.
Write Offers
Submit offers confidently — we can provide proof-of-funds letters to strengthen them.
Get Under Contract
Once the offer is accepted and earnest money is in escrow, the property is locked in.
We Fund It
Send us the deal. We review, issue a term sheet within 24 business hours, and close fast.
Know someone who needs funding? Earn $500+ per close.
Send us your leads. Our team handles everything — follow-up, underwriting, close. When the deal funds, you get a generous referral bonus, minimum $500.
Become a Referral PartnerQuestions investors ask us most.
Do I need good credit to get funded?
No. Private money lenders look at the value of the property (the collateral), not your credit score. If the deal makes sense, we fund it.
How fast can you close?
Depending on how quickly you submit loan package items, you can have funding in several days to several weeks — versus 1–3 months with traditional financing.
Can you really fund 100% of the deal?
Yes. We specialize in joint venture real estate transactions and offer up to 100% funding on fix-and-flip deals when the numbers work.
What kind of properties do you fund?
All types, at all price ranges — as-is or needing repairs. Single family, multi-family, commercial, new construction, rentals, and more.
Do I need the property under contract first?
Yes. The biggest mistake investors make is shopping for money before they have a deal. Get it under contract first, then bring it to us.
Do you work outside my state?
We fund deals nationwide. Reach out and tell us about your market.
Bring us your deal. We'll bring the money.
Fill out the form and we'll respond within 24 business hours with next steps and a term sheet where applicable.