BRONZE LENDER
Loan Close Time: 5-7 days
At Mālama Funding, we believe elite performance starts with alignment — to our mission, our values, and each other.
Our team is the engine behind every loan we fund. We move fast, we care deeply, and we execute with precision — so our clients can scale with confidence.
We offer up to 90% of purchase price and 100% of rehab costs, capped at 75% of ARV. We can get even more leverage by financing mortgage payments. Set up a strategy call with your AE to discuss how to get 100% financing.
Pre-underwritten deals can close in as little as 7–10 business days. We move fast because time is money in this game. Ask your AE about our no-appraisal options.
Most of our clients are 700+, though lower scores may be considered with strong experience or equity. If your score is lower due to high debt utilization, we have strategies that can help you.
Fix & Flip loans usually run 12–24 months, with interest-only payments and no prepayment penalties. The heavier the rehab, the longer the term.
Rates start in high 7% and can go as high as 12%+, depending on your experience, credit and deal. Send us someone else’s terms to beat with no risk. Only the opportunity for the best price.
