Newly built house with garage in snow

1892 Capital Partners: Bridge, Construction, and Fix and Flip Loans

Family-owned direct lender offering bridge, construction, and transitional financing across Washington, Utah, Idaho, and Hawaii.

SILVER LENDER

Fix & FlipGround UpOther
Key States Served
Hawaii, Utah, Washington
Loan Close Time
3-5 days
Loan Programs
Fix & Flip, Ground Up, Other
Max Leverage
Vertical Construction: LTC 80% (under certain circumstances higher). Fix and Flip: LTV 65%; 100% of rehab may be financed. Income Producing Bridge: LTV 70%. Bridge: LTV 65% (under certain circumstances higher).

Overview

1892 Capital Partners is a family-owned, direct private real estate lending firm based in the Puget Sound region. The firm provides bridge, construction, and transitional financing to real estate investors, builders, and developers, currently serving projects across Washington, Utah, Idaho, and Hawaii.

As a fifth-generation real estate family, relationships come first. We partner closely with borrowers and brokers who value financing that is personal, flexible, and aligned with the realities of a fast-moving market. Every loan is customized, and every deal is approached with practical underwriting, transparent communication, and an understanding of how projects actually get built. Unlike institutional lenders with rigid credit boxes and slow timelines, 1892 moves with agility and family-level care. Our approach emphasizes clear exit strategies, strong fundamentals, and common-sense pathways that help clients compete, move quickly, and bring meaningful projects to life.

Draw & Construction Process

1892 Capital Partners funds vertical construction, development, and transitional projects, so construction draws are part of its lending, but the firm does not publish the mechanics of its draw process. Its site does not state how draws are requested, whether inspections are physical or virtual, or a per-draw funding turnaround. On speed, 1892 emphasizes fast decisions rather than draw timing: it says about 10 minutes on the phone is usually enough to gauge whether a deal can be funded, and it targets approval within 72 hours. Loans generally run about 12 months with extension options. Because the specific construction draw schedule and inspection method are not published, investors building or renovating with 1892 should confirm draw frequency, documentation requirements, and reimbursement timing directly with the lender before closing.

Loan Programs

1892 Capital Partners offers bridge, construction, and transitional real estate financing to investors, builders, and developers across Washington, Utah, Idaho, and Hawaii.

• Fix and flip: LTV up to 65%, with up to 100% of the rehab budget financed, on 4 to 9 month terms.
• Vertical construction: LTC up to 80% and LTV up to 65% (both higher in certain cases), for loans from $350K to $8M.
• Income producing bridge: LTV up to 70%, for loans from $2M to $10M.
• Bridge: LTV up to 65% (higher in certain cases), for loans from $1M to $12M.
• Development and land: development and entitlement land at LTV up to 65% and 55%, and raw land at LTV up to 45%.

States Served

Resources

Legal / Disclosures

1892 Capital Partners is a family-owned direct private real estate lender based in the Puget Sound region of Seattle, Washington, offering bridge, construction, and transitional financing. A subsidiary of Corliss Management Group, it currently lends in Washington, Utah, Idaho, and Hawaii, serving real estate investors, builders, and developers for real estate investment purposes. It is a member of the American Association of Private Lenders (AAPL).

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