BUILDERS, DEVELOPERS & REAL ESTATE INVESTORS

Your ground-up lender

Financing for professional builders, developers and real estate investors

At Sage Credit, we provide short-term real estate financing for real estate professionals. We specialize in financing acquisitions, renovation, new construction, and construction completion projects — with loan terms up to 24 months and loan amounts up to $10M.

As a private real estate lender with on-the-ground expertise in California and North Carolina, we offer fast decisions and reliable capital — faster and more flexible than traditional banks, and more relationship-driven than hard money lenders.

Discover how our approach can support your next project.

LOAN TYPES

Short-term financing built for your projects

  • Renovation and fix and flip loans

    Our renovation financing and fix and flip loans support projects ranging from standard rehabs to complex value-add and repositioning efforts. Our rehab loans support professional real estate investors executing acquisition-and-improvement strategies designed to maximize returns on exit.

    From extensive renovations to multifamily and mixed-use upgrades, we structure capital to align funding with your timeline and business plan.

  • Construction loans for residential development

    Our construction loans support ground-up residential development, including spec homes, build-to-rent, and small-scale missing middle projects — duplexes, triplexes, and small multifamily. We offer flexible draw schedules aligned with construction progress and project plans.

    With deep experience in residential projects across California and North Carolina, we structure short-term construction financing to help builders move efficiently from entitlement through completion.

  • Construction completion loans

    Our construction completion loans provide financing to help bring partially completed projects across the finish line. Whether preparing a property for sale, lease-up, or refinancing, we offer short-term capital designed to stabilize and position your project for its next phase.

    These completion bridge loans are structured to maintain momentum, minimize disruption, and support a successful exit strategy.

  • Bridge loans for builders and real estate investors

    Our business-purpose bridge loans provide short-term real estate financing for property acquisitions, transitional assets, stabilization, and refinancing. Designed to provide short-term flexibility, fast closings, and seamless transitions as you move toward permanent financing.

    Whether you are acquiring a new asset, stabilizing a property, or bridging to long-term capital, our bridge financing helps you execute your value-add strategy with confidence.

TERMS

Typical lending terms

In practice, terms are shaped by the specifics of each project. Every project we look at is different, and our underwriting reflects that. Review our lending guidelines for a more detailed look at what we offer. 

80% LTC

12mo+

$250k to $10M

70% LTV

WHY SAGE CREDIT

Build lasting relationships

Work with a team that picks up the phone — and understands the project as well the numbers.

Fast closings
Responsive, personalized service
Reliable capital throughout your project
On-the-ground expertise in California and North Carolina
Creative structuring for complex projects

"I had such a great experience working with Sage Credit! From start to finish, everything was smooth and totally stress-free. They were super easy to work with, always quick to respond, and made the whole closing process feel seamless. The best part is they delivered a quick close just like they promised. I look forward to a long-lasting relationship."

— Thayer Homes

SUCCESSFUL PROJECTS

Loan spotlights

FREQUENTLY ASKED QUESTIONS

Call us for more detailed answers

Experienced borrowers often find that a quick conversation clarifies more than any checklist.
Connect with our team to discuss your project and timeline.

  • Non-owner-occupied residential properties including SFR, and smaller multifamily projects. We do not lend on owner-occupied residences.

  • Terms typically range from 6 to 18 months, with extensions available depending on project progress.

  • Our primary markets are NC and CA. We consider loans in other states on a case-by-case basis — contact us to discuss your specific project.

  • We can close in as few as seven business days for straightforward transactions. Complex deals may take longer — we'll give you a realistic timeline at the outset.

  • We typically lend up to 80% LTC and 70% LTV depending on the project type, borrower experience, and market. Contact us to discuss your specific deal.

Experienced borrowers often find that a quick conversation clarifies more than any checklist. Connect with our team →

Ready to move on your next project? Let's talk.