Banks said no.
We say let's talk.
You've got the deal, the equity, and the plan.
You just need a lender who moves as fast as you do.
Harvest HML funds fix-and-flip and investment properties - no bank qualifying required.
What are you looking to do?
Pick your path — we'll show you the right product.
FLIP PROPERTY
Buy, renovate, sell - fast funding
BUY & HOLD / BRRRR
Acquire, rehab, rent, refinance
REFINANCE TO LONG-TERM
Move from hard money to favourable terms
⚡ Close in Days
🏦 No Bank Qualifying
🔒75–80% LTV
—LOAN PRODUCTS
Your deal. Your product.
Whether you're flipping your first house or scaling a portfolio, we have the right loan structure for where you are now, and where you're headed.
Fix & Flip
Fast funding for property acquisition and renovation. Built for investors with equity and a plan — not a bank relationship.
WHAT YOU GET
- Close in days, not weeks
- Up to 75–80% LTV
- Interest-only during renovation
- Built-in interest reserves
- ARV-based underwriting
- 12-month execution window
BRRRR / Buy & Hold
Bridge financing to acquire and stabilize rental properties, then refinance into long-term debt on better terms.
WHAT YOU GET
- Acquire undervalued rentals fast
- Rehab funding included
- Clear refinance pathway built in
- Portfolio-friendly structuring
- Exit stress-tested upfront
Long-Term / Commercial
For stabilized, cash-flowing properties. Better rates and terms for investors who've built equity and track record.
WHAT YOU GET
- Favorable long-term rates
- Amortizing payment structures
- Portfolio consolidation options
- Seamless transition from HML
- Designed for bankable investors
—HOW IT WORKS
Four steps to funded
No runaround. No waiting. You bring the deal — we move fast.
Submit Your Deal
Tell us about the property, your plan, and your numbers. We underwrite the deal, not just your credit.
Get Approved Fast
We review comps, validate your scope and budget, and stress-test your exit. If it works, you get a term s
Close & Execute
Fast closing, interest-only payments, real-time project tracking, and clear draw schedules throughout.
Exit & Repeat
Sell, refinance, or roll into your next deal. Clean documentation makes your exit smooth — then do it again.
—QUICK QUALIFIER
Find out in 60 seconds.
Whether you're flipping your first house or scaling a portfolio,
we have the right loan structure for where you are now,
and where you're headed.
—WHY HARVEST
We're not a bank. That's the point.
We're investors who lend to investors. Every safeguard we build is designed to protect your deal — not slow it down.
Speed That Wins Deals
We close in days because we front-load due diligence. No waiting on committees or bank bureaucracy.
Built-In Protection
Conservative LTV, interest reserves, and renovation review keep your project on track with margin for error.
Vetted Vendor Network
Title companies, contractors, realtors, and take-out lenders — optional, but there when you need them.
Deal-Level Underwriting
We underwrite the deal, not just your credit score. Good deal + solid plan = funded.
Real-Time Transparency
CompanyCam access, photo documentation, and clear draw schedules. No guesswork on your project.
Repeat & Scale
One deal becomes two. Two becomes ten. Stable lending relationships let you build a real portfolio.
—LET'S GO
You've got the deal.
Let's fund it.
Apply in minutes. Hear back fast. Close in days.