National direct lender and brokerage!
Real estate investment and business funding made simple with a national direct lender you can rely on.
Business owners and investors , we offer customized solutions to help you buy, build, or expand with confidence!
Smart Financing for Real Estate Investors & Businesses
Fast Approvals, Hassle-Free Process
Competitive Rates, Personalized Solutions
Direct lender and underwriters to help you get the proper funding for your situation!
Your Lending Solution for Business Purpose Residential & Commercial Financing
From first-time to seasoned investors & business owners, we provide tailored loan solutions to help you achieve your financial goals.
Get Pre-Qualified
Provide basic financial and project details to determine your eligibility and loan options.
Submit Your Application
Complete your loan application and provide required documents such as proof of income and credit history.
Underwriting & Approval
Our experts review your information, finalize loan terms, and ensure a smooth underwriting process.
Get Funded!
Meet all underwriting requirements, receive your clear to close, sign the final documents, and your investment or business loan is funded! Your project becomes a reality!
DSCR
DSCR Loans are designed for real estate investors who want to qualify based on rental income, not personal income. We finance 1–9 unit properties with loan amounts up to 75% LTV for borrowers with a minimum DSCR of 0.75—and even better terms for those with a 1.2 DSCR or higher. Perfect for both purchases and cash-out refinances, our DSCR loans offer flexibility, speed, and room to grow your portfolio loans with 5 or more properties.
Fix and Flip- 100% Financing
Fix and Flip Loans offer up to 100% financing on purchase and rehab costs, with funding available up to 75% of ARV for investors with a 680+ FICO. Have a 650 FICO? No problem — you can still qualify for up to 65% ARV. Whether you're a seasoned flipper or just getting started, we’re here to make the deal happen. Fast approvals, competitive rates, and no prepayment penalties — we’ll get it done.
Ground Up construction
Ground-Up Construction Loans are designed for investors at all experience levels, from first-time builders to seasoned developers. We offer financing for projects ranging from 1 to 9 units, covering both land acquisition and construction costs. With flexible underwriting, competitive rates, and no prepayment penalties, our GUC loans help you build new opportunities from the ground up—literally. Whether you're building a single-family home or a small multifamily development, we've got you covered.
Portfolio Lending
Portfolio Loans are perfect for investors with 5 or more properties, allowing you to consolidate and manage multiple assets under one streamlined loan. We offer cash-out refinancing up to 80% of the portfolio’s blended value, with a minimum FICO of 680. Whether you're looking to unlock equity or simplify your financing, our portfolio lending solution is built for scale, flexibility, and long-term growth.
Stabilized Bridge
Stabilized Bridge Loans are ideal for investors ready to cash out and move on. We offer cash-out financing up to 75% LTV on stabilized properties, giving you the liquidity to unlock equity, take your profits, or fund your next deal. Whether you’re holding or preparing to sell, our bridge solution helps you exit clean and fast—so you can keep building without slowing down.
SBA / Business Loans
We offer a full suite of business loan solutions tailored to meet your needs—whether you're just starting out or scaling to the next level. SBA 7(a) loans are great for working capital, business acquisitions, or real estate purchases, offering flexible terms and low down payments. If you're investing in fixed assets like equipment or owner-occupied commercial real estate, SBA 504 loans provide long-term, below-market fixed rates with favorable terms. Not everyone fits inside the traditional lending box—that’s why we also offer Private Business Loans for entrepreneurs who may not have full documentation or meet standard underwriting criteria. These loans provide fast access to capital with fewer requirements, giving you the flexibility to move your business forward when the banks say no.
Contact
888-255-6330
Eclipse Funding- 7850 Enchanted Hills Blvd NE,
Rio Rancho, NM 87144
© 2025 Eclipse Funding, LLC. All Rights Reserved. Eclipse Funding, LLC is an independently owned and operated company specializing in real estate investment and commercial loan products, including Fix & Flip, DSCR, Ground-Up Construction, Bridge Loans, and Portfolio Loans. All loans are subject to credit approval and underwriting guidelines. Terms and conditions apply.