BRONZE LENDER
Mālama Funding LLC is a national mortgage brokerage for business-purpose loans, helping real estate investors maximize leverage and scale their portfolios through proprietary technology and streamlined processes. The company emphasizes alignment to its mission and values, fast execution, and precision so clients can scale with confidence.
Malama Funding uses staged draws on its construction loans, releasing funds phase by phase. Its new construction program publishes a five-stage draw schedule, moving from land to foundation to framing to the vertical build to completion, with draws released as each stage is reached.
On fix and flip loans, rehab draws arrive fast enough to hold the project schedule. There is no statement of whether draw inspections are physical or virtual, and no specific per-draw turnaround. So while the staged structure is clear, the verification step is not documented.
On closing, Malama advertises fix and flip closings in as fast as five to seven days. Investors building or renovating with Malama should confirm the inspection method and per-draw turnaround directly, since the staged schedule is published but the timing of each release is not.
Malama Funding, LLC is a business-purpose real estate lender based in Hermosa Beach, California, operating as a national mortgage brokerage and lending across 44 states, with fix and flip, BRRRR, DSCR, new construction, bridge-to-sell, and multifamily programs.
• New construction: up to 90% of total project cost (loan to cost) and up to 75% of completed value, with non-Dutch interest and loans up to $10M or more.
• Fix and flip: the site publishes financing over 90% leverage, but does not break out separate purchase, rehab, and ARV percentages, so exact leverage should be confirmed per deal.
• BRRRR, DSCR rental, bridge-to-sell, and multifamily (5 to 10 units) round out the six programs.
• Malama is a hybrid lender, funding directly off its balance sheet or through correspondent, broker, or table-funded arrangements.
Malama Funding, LLC is a business-purpose real estate lender based in Hermosa Beach, California, that operates as a national mortgage brokerage (loans made or arranged) and lends across 44 states. Its financing is for business-purpose, non-owner-occupied real estate investment. It operates under NMLS ID 2489088 and California Financing Law license 60DBO-213260, with broker Brian Fung (DRE 02206600).
