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 Investment Loans – FICO Scores as Low as 580
Eclipse Funding offers flexible DSCR loans for real estate investors, qualifying primarily on property rental income rather than personal income. Finance 1–9 unit investment properties with LTV options up to 85% for eligible borrowers with a 1.20 DSCR or higher. Programs are available with DSCR ratios as low as 0.75 and FICO scores starting at 580, subject to program guidelines. Ideal for purchases, cash-out refinances, and investors growing portfolios of five or more properties. Build your portfolio with financing designed around your investments, not traditional income documentation.
Fix & Flip/ Rent Loans – Up to 100% of Purchase and Rehab Costs
Eclipse Funding provides flexible financing for real estate investors looking to acquire, renovate, and resell properties for profit. Eligible borrowers may qualify for up to 100% financing of purchase and rehab costs, with total loan amounts up to 75% of the property's after-repair value (ARV). Programs are available for investors with a 620+ FICO, subject to experience, deal structure, and lender guidelines. Enjoy streamlined approvals, competitive rates, and no prepayment penalties on eligible programs. Whether you're tackling your first flip or scaling your investment business, Eclipse Funding helps turn your next opportunity into a strategic investment.
Ground-Up Construction Loans – Built for First-Time Investors to Experienced Developers
Eclipse Funding offers flexible ground-up construction financing designed to help investors turn opportunities into completed projects. Whether you're a first-time builder or an experienced developer, our programs support 1–9 unit residential projects, with financing options for land acquisition and construction costs. We specialize in flexible underwriting, multi-property and multi-asset strategies, and solutions designed to help investors grow without being limited by traditional lending guidelines. With competitive rates and no prepayment penalties on eligible programs, we make it easier to build your first project, expand your portfolio, or take on your next development. From your first build to your next major investment, Eclipse Funding helps you build with confidence.
Rehab or Ground-Up Construction to Rent – One Streamlined Strategy
Eclipse Funding helps real estate investors finance the entire journey, from acquisition and renovation or ground-up construction to long-term rental ownership. We can help structure your initial rehab or construction loan and plan your permanent DSCR rental financing from the start. Once the property is completed and meets the refinance program requirements, we can help transition it into long-term financing based primarily on rental income rather than personal income. Our coordinated approach helps simplify the process, reduce financing gaps, and keep your investment strategy moving forward. Whether you're renovating an existing property or building from the ground up, Eclipse Funding helps you turn real estate opportunities into long-term income-producing assets—all with a streamlined financing strategy designed around your goals.
Portfolio Loans – Simplify Financing Across Multiple Properties | 660+ FICO
Eclipse Funding offers flexible portfolio lending solutions for real estate investors with five or more properties. Consolidate multiple assets under one streamlined financing strategy and access cash-out refinancing options up to 80% of the portfolio’s blended value, with a minimum 660 FICO, subject to program guidelines. Whether you're unlocking equity, restructuring existing debt, or freeing up capital for your next investment, our portfolio loans are designed to simplify management and support continued growth. Leverage your existing assets, unlock new opportunities, and build your portfolio with Eclipse Funding.
Bridge Loans – From Construction to Completion, Sale, or Long-Term Rental
Eclipse Funding offers flexible bridge financing to help investors transition from ground-up construction or rehab projects to their next stage. Need to pay off a construction loan, finish renovations, or prepare a property for sale or rental? Our bridge solutions can help provide short-term financing to complete the project, stabilize the property, or create a clear path to your exit strategy. Eligible stabilized properties may qualify for cash-out financing up to 75% LTV, subject to program guidelines. Whether you're preparing to sell, transitioning into long-term DSCR rental financing, or unlocking equity for your next deal, Eclipse Funding helps streamline the process so you can keep moving forward and growing your portfolio.
ITIN Mortgage Loans – Owner-Occupied & Investment Properties | Up to 80% LTV
Flexible mortgage solutions for ITIN borrowers looking to purchase a primary residence or investment property. Eligible programs offer up to 80% LTV, with options for borrowers who have no traditional credit score or cannot document income conventionally. Depending on the program, alternative qualification options may include bank statements, assets, or rental income. No Social Security number required for eligible ITIN programs. Ideal for self-employed borrowers, entrepreneurs, and investors seeking flexible financing. Program guidelines and approval requirements apply.
0% Credit Stacking – Real Estate & Business Funding
Eclipse Funding offers credit stacking strategies to help qualified borrowers access multiple lines of credit with introductory 0% APR offers for real estate investments or business purposes. Use available credit for down payments, acquisitions, construction, rehab expenses, startup costs, equipment, inventory, or everyday business operations. Credit can also help cover upfront project costs while waiting for construction draws or reimbursements. Preserve cash reserves, bridge funding gaps, and pursue new opportunities with greater flexibility. Credit limits, promotional periods, and approvals depend on creditworthiness and lender guidelines. Introductory 0% APR offers are temporary and require a strategic repayment plan.
SBA & Business Loans – Comprehensive Financing Solutions
Eclipse Funding offers a full suite of business financing solutions to help entrepreneurs, business owners, and investors launch, acquire, expand, or strengthen their businesses. From SBA 7(a) and 504 programs to conventional, commercial real estate, equipment, working capital, business acquisition, and private business-purpose loans, we help connect you with the right financing strategy for your goals. Our approach provides access to multiple lending options without unnecessary layers of underwriting or added intermediaries where direct lending is available. Whether you're purchasing a business, acquiring owner-occupied commercial real estate, funding equipment, or seeking capital to expand operations, we help simplify the process and explore solutions beyond traditional bank lending. One financing partner. Multiple solutions. A clearer path to your next business opportunity. All programs are subject to lender requirements and approval.
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.