GOLD LENDER
Since 2004, American Heritage Lending has been a trusted partner for real estate professionals and investors, providing reliable private lending solutions through every market cycle. With two decades of experience, we’ve navigated some of the most challenging periods in the real estate market, including economic downturns and industry shifts, all while maintaining the highest standards of professionalism and consistently delivering for our borrowers.
Our longevity is a testament to our unwavering commitment to serving the unique needs of real estate investors. Our team of seasoned experts understands the complexities of real estate financing, and we work closely with our clients to craft customized solutions that meet their specific investment goals. Whether you’re undertaking a new construction, fix-and-flip, or expanding your rental portfolio, we offer fast approvals, flexible terms, and competitive rates that align with your needs.
Backed by one of the most prominent private equity firms in the private lending space, we have unlimited access to capital. This financial strength allows us to offer a level of product flexibility that sets us apart, ensuring that we can provide tailored solutions to fit the unique needs of real estate investors, regardless of the project type or scale.
Through every market condition, our ability to adapt and provide consistent, dependable service has made us a trusted resource in the real estate community. When you partner with American Heritage Lending, you’re not just getting a lender—you’re gaining a dedicated, experienced team that’s committed to helping you succeed, no matter the market environment. Let our proven track record and industry expertise be your advantage.
American Heritage Loans runs virtual draw inspections with a 24-hour turnaround, which fits Lenderly’s focus on fast, remote-friendly draw management. Instead of scheduling an in-person inspector, borrowers submit digital draw inspections, and the lender funds up to 100% of the rehab or construction budget as work is completed.
On the construction side, draws are tied to completed build phases and use the same 24-hour digital inspection process. Closing is quick as well: the company advertises fix and flip closings in two weeks or less (as few as 10 days from a complete file), construction in about two to three weeks, and bridge loans in 10 days or less, with same-day prequalification. Because the 24-hour draw turnaround is published as a target rather than a guarantee, investors on tight rehab schedules should still confirm timing for their specific project.
American Heritage Loans, operating as American Heritage Lending, is a direct business-purpose lender offering fix and flip, construction, bridge, and DSCR rental loans across 47 states.
• Fix and flip: up to 95% LTC, up to 100% of the rehab budget, and up to 75% of ARV, with interest rates starting at 7.99%.
• New construction: up to 95% LTC and up to 100% of construction costs, underwritten to the after-construction value.
• Bridge: up to 80% LTV, for loans up to $3 million, as a short-term option ahead of a DSCR takeout.
• DSCR rental: offered as a long-term takeout to refinance a bridge or flip once the property qualifies, with terms quoted per deal rather than published.
• Fix and flip loans are advertised to close in as few as 10 days, with same-day prequalification.
American Heritage Loans, operating as American Heritage Lending, LLC, is a direct business-purpose mortgage lender headquartered in Irvine, California, offering DSCR, fix and flip, bridge, and construction loans. Established in 2004, it lends in 47 states (excluding Nevada, North Dakota, and South Dakota) on investment and business-purpose mortgages secured by real estate. It is a member of the American Association of Private Lenders (AAPL) and the Mortgage Bankers Association (MBA), and operates under NMLS ID 93735.
