GOLD LENDER
At Fair Oaks Funding, our mission is to help people at every stage of their journey build something they couldn’t build alone. We provide strategic capital solutions that create opportunity, strengthen communities, and increase long-term stability for our borrowers and investors.
We believe clarity creates stability. Stability protects capital. And protected capital enables longevity.
Through transparent communication, disciplined underwriting, and relationship-driven lending, we focus on strong markets and responsible growth. Our Capital Investor Campaign is built on one principle: protecting investor capital while creating sustainable returns through carefully selected projects and trusted partnerships.
We operate with integrity, honesty, compassion, and fiscal responsibility — because trust isn’t optional in this business. It’s everything.
Fair Oaks Funding lends on fix and flip, new build, and development projects, all of which fund construction or rehab through draws, but the company does not publish how its draw process works. There is no stated draw request method, inspection type (physical or virtual), per-draw turnaround, or draw schedule on its site.
The company has a fast overall timeline: many of its deals close in as little as 7 to 10 days, depending on the project, on 6-month terms at a 12.99% rate with 3 points. Because the draw mechanics are not documented, builders and rehabbers who need funds released on a predictable schedule should confirm the draw process, inspection requirements, and turnaround directly with Fair Oaks before closing. The published close window and flat term structure are the clearest parts of its program.
Fair Oaks Funding, LLC is a private lender for real estate investors, rehabbers, builders, and contractors, offering fix and flip, rental, new build, development, and small commercial and multifamily loans.
• Fix and flip and rental loans for investors and rehabbers on investment property.
• New build and development loans for builders and contractors taking projects from raw land to completion.
• Small commercial and small multifamily financing for investors scaling beyond single-family deals.
• Published terms are limited: a 12.99% interest rate, 3 points, and a 6-month standard term. Fair Oaks does not publish leverage figures (LTC, LTV, or ARV), so investors should request a quote for maximum leverage.
Fair Oaks Funding, LLC is a private lender serving real estate investors, including rehabbers, builders, and contractors, with fix and flip, rental, new build, development, and small commercial loans for real estate investment purposes. It lends in most states, excluding Florida, California, New York, New Jersey, Connecticut, Louisiana, Massachusetts, New Hampshire, Maine, Rhode Island, and Vermont.
