Chicago Private Lender | Construction, Bridge, Rehab & DSCR Loans | Matrix Commercial Capital
Chicago's Premier Private Lender

Private Capital Lender
for Builders & Investors

Fast, flexible financing for builders, developers, and flippers who need to move quickly. No tax returns. No W-2s. Close in under 30 days.

72hr
Approval Time
$5M
Max Loan Amount
30
Days to Close
50+
Years Experience
Get Pre-Qualified Explore Loan Products
No Income Verification
No Tax Returns Required
Close in Under 30 Days
Nationwide Lending
Ground-Up Construction

Built for Builders Who Build Big

From lot acquisition to certificate of occupancy, we finance the entire project. In-house construction management, draw funding, and servicing—so your build stays on track.

Up to 95% LTC / 75% ARV
In-House Draw Management
No Pre-Payment Penalty
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Fix & Flip Financing

Fast Capital for Flippers

Cosmetic or structural, we've got you covered. Finance the acquisition and 100% of your rehab costs with in-house draw management and no prepayment penalties.

100% of Rehab Costs Funded
First-Time Flippers Welcome
Close in Under 30 Days
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Our Loan Products

Financing Solutions for Every Project

From ground-up builds to business expansion, we have the capital to fund your next deal.

Long-Term

DSCR Rental Loans

Qualify on property cash flow, not personal income. Perfect for buy & hold investors.

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Long-Term

Residential Portfolio

Consolidate multiple properties under one loan with portfolio-level terms and pricing.

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Short-Term

Rehab Loans

Fix & flip financing with up to 100% of rehab costs funded through draws.

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Short-Term

New Construction

Ground-up financing from lot acquisition through vertical construction.

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Short & Long-Term

Bridge Loans

Fast capital to bridge the gap between acquisitions and permanent financing.

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Government-Backed

SBA Loans

Government-backed financing for small businesses with competitive rates and terms.

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Flexible

Business Loans

Working capital, equipment financing, and expansion loans for growing businesses.

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Asset-Based

Hard Money

Asset-based lending for investors who need speed and flexibility over traditional financing.

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Custom Home Builds

Ground-up financing for spec & custom homes

Townhome Developments

2-8 unit attached projects

Fix & Flip Projects

Cosmetic & structural rehabs

Rental Properties

DSCR loans for buy & hold

Multifamily Projects

2-8 unit properties

Solutions By Strategy

Financing Tailored to Your Strategy

Whether you're buying rentals, flipping houses, or building from the ground up—we have the capital.

For Investors

Buy & hold, BRRRR, short-term rentals—financing built for real estate investors looking to grow their portfolios.

DSCR Loans Bridge Loans Portfolio Loans
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For Flippers

Fix & flip financing that covers acquisition and rehab costs. Fast approvals, in-house draws, and no prepay penalties.

Rehab Loans Hard Money Bridge Loans
Explore Solutions

For Builders

Ground-up construction financing with in-house management, draw funding, and flexible terms for spec and custom builds.

Construction Loans Land Loans Bridge Loans
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For Landlords

Consolidate multiple properties under one loan or finance your next acquisition. No income verification, unlimited properties.

Portfolio Loans DSCR Loans Blanket Loans
Explore Solutions
Why Matrix

Your Success Starts with the Right Capital Partner

We're not a bank. We're builders who fund builders.

72-Hour Approvals

Time kills deals. We deliver fast decisions so you can move with confidence.

No Financials Required

No tax returns, W-2s, or pay stubs. We focus on the property and the deal.

Close in Under 30 Days

From approval to funding, we move fast so you don't lose the deal.

Exclusive Lender Access

Programs you won't find elsewhere, including our exclusive Bridge Choice product.

Chicago Market Expertise

Founded in Chicago with deep knowledge of Midwest markets and nationwide reach.

Builder-First Approach

We close what we quote. No re-trades, no last-minute surprises, no excuses.

How It Works

Get Funded in 3 Simple Steps

From application to funding, we keep it simple.

1

Submit Your Project

Fill out our quick online form with basic property and project information. No tax returns or pay stubs needed.

2

Get Approved in 72 Hours

We focus on the property and the deal, not your personal financials. Fast decisions so you can break ground.

3

Close & Start Building

Most loans close in under 30 days. We close what we quote—no re-trades, no surprises.

What Our Clients Say

Real Results for Builders & Flippers

We close what we quote. Here's what our clients have to say.

"Matrix funded my ground-up spec home when two other lenders fell through. They closed in 3 weeks and the draw process has been seamless."

RM

Robert M.

Builder & Developer, Chicago

"I got approved in 48 hours and closed in just 3 weeks. Matrix made it possible to win a competitive flip that would have slipped away."

MT

Marcus T.

Fix & Flip Investor, Chicago

"As a first-time flipper, I was nervous about the process. Matrix walked me through everything and got me to the closing table fast."

SK

Samantha K.

First-Time Flipper, Milwaukee

FAQ

Frequently Asked Questions

Quick answers to common questions about our construction and investment loans.

Do you finance new construction projects?

Yes. Our new construction loans finance the entire project from lot acquisition through vertical construction. We provide up to 95% LTC and 75% ARV with in-house construction management, draw funding, and servicing. You'll need at least one completed structural rehab or new construction project in the last 36 months to qualify.

How fast can I close on a fix and flip loan?

Most fix and flip loans close in under 30 days from application. We can often move faster for experienced borrowers or time-sensitive deals. Our 72-hour approval process means you'll know quickly if your deal is approved.

Do I need experience to get a construction or rehab loan?

It depends on the program. Our cosmetic rehab loans have no experience requirements—first-time flippers are welcome. For structural rehab and new construction, we require 1-2 completed projects in the last 36 months. Our DSCR and Bridge Choice programs also have no experience requirements.

How does the draw process work for construction loans?

We handle all construction management and draw funding in-house. As you complete construction milestones, you request a draw, we inspect the work, and release funds—typically within a few business days. No third-party delays.

What types of properties do you finance?

We finance single-family homes, 2-4 unit properties, townhomes, condos, and small multifamily (5-8 units). This includes spec homes, custom builds, fix & flips, and rental properties. Properties must be non-owner occupied investment properties.

Do you lend nationwide?

Yes. While we're headquartered in Chicago, we provide financing for investment properties across the United States. Our team has deep experience in Midwest markets but serves builders and investors nationwide.

Ready to Fund Your Next Project?

Submit your project for a fast quote. We'll get you approved in 72 hours or less.

Get Pre-Qualified Now
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