Spark Lending

Spark Lending is a relationship-driven hard money lender dedicated to helping real estate investors achieve their investment goals with swift financing.

Fix & Flip

Virtual Inspections allowed on:Fix & Flip

Loan Close Time: 7-21 days

Overview

At Spark Lending, we are dedicated to transforming your vision into reality through swift and dependable financing solutions. As a relationship-driven hard money lender, we take pride in prioritizing the objectives of our borrowers, assisting them in realizing their ambitions as real estate investors.

Draw & Construction Process

We typically receive an inspection report within 48-72 hours and disburse funds the following day, often completing the process even more swiftly. Simply fill out a draw request in your borrower portal, or submit the form that can be provided upon request and at closing.

Best For

Loan Programs

Our loan rates commonly consist of 2 points and 12% interest. For Texas borrowers, we offer a 70% Loan To Value (LTV) with no minimum deposit, and our loyalty program can potentially increase the LTV to 75%. Outside Texas, we provide various products, with a popular option being 90% of purchase and 100% of rehab, up to 70% LTV.

Resources

Legal / Disclosures

Spark Lending collects personal info (name, email, phone, address) and usage data, shares it only with service providers or authorities when legally required, and does not sell personal information. Users have the right to access, correct, or delete their data, with additional opt-out rights for US state residents.