Our services
Loans for HOAs and every community association, handled end to end.
We help boards apply at the right time, for the right amount, with the right lender, and with an application put together the way that lender needs to see it. Where more than one will compete for it, we bring the offers side by side.
- $100K+
- 5–20 yrs
- 50 states
- $0 up front
What we do
How we get your project funded.
No handoffs, no account managers. The portal handles the paperwork. Larry and Ben handle the board.
Loan strategy & structuring
Sometimes a project costs more than the budget allows. We work out which repayment terms make it possible and which lenders are likely to approve that structure.
Lender matching
Lenders draw the line in different places on reserve funding, delinquency and the kind of community you are, and most don’t publish where. We know which ones overlook which weakness, and go to those first.
Timing & readiness
We help you apply at the right moment, so you don’t vote or assess before you’ve seen what funding is actually available. We also help you present the options to your board and owners.
Scope cross-check
We check what the project needs to fund against the bids and the association's own plans, so the loan is sized to the real scope.
How it works
From first call to funded.
- STEP 1
Discovery
Your project, timeline, financials, and reserve study.
- STEP 2
Presentation
Loan options and structures, laid out side by side to compare.
- STEP 3
Placement
We package your loan and take it to multiple lenders at once.
- STEP 4
Underwriting
The lender reviews the details; we keep questions moving.
- STEP 5
Closing
Docs signed, funds disbursed, project begins.
The costliest mistakes happen before anyone talks to a lender. Boards that call us early have more options; boards that call too late are playing catchup.
Get a free consultationWho we serve
Every kind of community association.
- Homeowners associations
- Condominium associations
- Townhome communities
- Master associations
- Property owners associations
- Timeshare associations
- Housing cooperatives
- Condo hotels
What we help finance
Capital projects of every kind.
- Roof replacement
- Elevator modernization
- Facade restoration
- Plumbing & HVAC risers
- Paving & concrete
- Retaining walls
- Reserve shortfalls
- Clubhouse & amenities
- Balcony repairs
- Milestone inspections
- Siding & envelope
- Windows & doors
- Exterior painting
- Solar & EV charging
- Fire & life safety
Loan calculator
See what a loan could look like for your community.
Compare scenarios side by side and see the estimated monthly cost per unit before you talk to anyone.
Common questions
Working with us
What does the board have to do?
You and your property manager gather the documents and answer questions along the way, financials, reserve study, budgets, project details. We tell you exactly what is needed and when, prepare the package, and handle the back-and-forth with lenders. The work on your side is real but organized, and the decisions stay yours.
Do you work with our property manager?
Yes. We coordinate with your board, property manager, and reserve specialist so everyone is working from the same numbers and the same timeline.
How many lenders will we see?
It depends on your community and your project. Some get several competing offers; others have one lender who will genuinely approve them. Either way you will know the market was canvassed, and when only one lender fits, that is exactly the situation a board is least likely to find on its own.
What if our project scope changes mid-process?
It happens often. We re-model the funding scenarios and go back to lenders with the revised scope, so your approval reflects what you are actually building.
Ready to see what lenders would offer?
We’ll take your file to the lenders most likely to fit it. No upfront cost, and we are paid at closing.