SLA Capital, a Sir Lends A Lot LLC company, is a private real estate lender built by investors who actively invest themselves. The company’s founders have completed more than 500 flips, and that hands-on experience shapes how SLA Capital underwrites every loan. Deals are reviewed through founder-led underwriting rather than rigid bank criteria, which gives borrowers more flexibility and a direct line to a decision-maker.
SLA Capital lends in 42 states and is known for speed and transparency. The company funds fix and flip projects in as little as 72 hours, averages a 10-day closing, and holds a record for a same-day fix and flip closing. Pricing is clear with no retrades, and roughly 70 percent of borrowers return for repeat financing.
SLA Capital offers three core programs. Fix and flip loans provide up to 100 percent financing for premier borrowers, with rates from 9.5 to 12 percent. DSCR rental loans start as low as 5.25 percent and require only three months of seasoning for refinances. New construction loans cover up to 85 percent of total project costs and 75 percent of land value, including loans on unpermitted land, with non-Dutch interest on renovation funds.
SLA Capital finances 100% of the rehab budget through draws, disbursed after inspection of completed work, and its process leans virtual. Draw requests run through SLA’s platform with photos and invoices, and the company advertises same-day draw approvals when the photos and receipts are clean. That photo-and-invoice, platform-based, same-day model reads like a virtual or desktop review rather than an in-person inspection, though SLA does not explicitly label the inspection as physical or virtual, so it is worth confirming. This fits Lenderly’s focus on fast, remote-friendly draw management. On the front end, SLA can close in as little as 72 hours with clear title, and it averages about 7 to 10 days across programs. For rehabbers, the combination of up to 100% LTC and same-day photo-based draw approvals is the core of the offering.
SLA Capital, operating as Sir Lends A Lot, is a private, non-QM lender based in Spokane, Washington, offering fix and flip, new construction, and DSCR loans to business entities across 42 states.
• Fix and flip: up to 100% loan to cost (LTC) for premier repeat borrowers, with 100% of the rehab budget financed via draws, at 9.5% to 12% with 1 to 4 points, on $55K to $3M loans.
• New construction: up to 85% of total project cost and up to 75% of land value, from 10%, on $100K to $7.5M loans.
• DSCR rental: up to 80% LTV, 30-year fixed, from 5.75%, with a 3-month seasoning on refinances.
• SLA lends to business entities across 42 states, excluding Alaska, Arizona, California, Minnesota, Nevada, North Dakota, South Dakota, Utah, and Vermont.
SLA Capital provides several resources for borrowers through its website:
SLA Capital, operating as Sir Lends A Lot LLC, is a private, non-QM lender headquartered in Spokane, Washington, serving real estate investors with DSCR, fix and flip, and new construction loans. It lends to business entities, including LLCs, corporations, and partnerships, for business purposes across 42 states, excluding Alaska, Arizona, California, Minnesota, Nevada, North Dakota, South Dakota, Utah, and Vermont.
