Loan Programs
Flexible financing options built for real estate investors
Empire Business Funding provides a range of financing solutions designed for real estate investors, developers, and contractors. Each loan program is structured to support different types of projects, timelines, and investment strategies. Our process is designed to eliminate unnecessary complexity, with fewer requirements and less paperwork than traditional lenders, making it easier for investors to move forward quickly.
From initial inquiry to closing, the focus is on efficiency, clarity, and getting deals across the finish line. Below, you’ll find an overview of our core financing options and how they are used to help investors move quickly and structure deals more effectively.
Fix & Flip Financing
Designed for investors acquiring and renovating properties, fix and flip financing provides the speed and flexibility needed to move quickly on opportunities and complete projects efficiently.
Our approach allows for faster closings, fewer requirements, and structures that align with the timeline of the project, helping investors stay competitive and maximize returns.
Bridge Loans
Bridge loans provide short-term financing to help investors close quickly and stabilize a property. These loans are built for time-sensitive opportunities where speed and flexibility matter.
This option is ideal when timing is critical and traditional lenders cannot move fast enough or accommodate complex deal structures, allowing you to move forward.
DSCR Loans
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors financing rental properties. Qualification is based on the property’s cash flow rather than personal income, making it easier to scale.
This approach allows for more flexibility compared to traditional lending, especially for investors focused on building and expanding a rental portfolio.
Ground-Up Construction
Ground-up construction (GUC) financing supports investors and developers building new properties from the ground up. These projects require more flexibility, as timelines and costs can vary throughout the process.
Our approach is designed to accommodate those variables, providing financing solutions that align with new construction and allow projects to move forward without delays.
Investment Property Financing
Financing solutions designed specifically for income-producing and long-term investment properties. These loans support investors looking to grow and manage their portfolios with greater flexibility.
All funding is focused on investment properties, allowing for structures that reflect the realities of real estate investing rather than traditional residential lending limitations.
Flexible Deal Structuring
Not every deal fits a standard lending model. Our approach allows for customized financing solutions based on the specifics of the project, timeline, and overall investment strategy, with structures designed to adapt as deals evolve.
Unlike traditional banks that limit the number of active loans, we work with investors as they scale, providing flexibility across multiple projects without unnecessary restrictions.
Let's Move Your Next Deal Forward