We fund deals with speed and certainty, so you can move fast and scale smarter.
Trato partners with institutional capital providers to bring you reliable funding with the flexibility private investors demand.
We combine big-league resources with small-team service — fast, personal, and built around your goals.
Purchase + 100% Rehab
Up to After-Repair Value (ARV)
FICO Preferred (but flexible)
No Tax Returns Required
Asset-First Underwriting
Closing in as little as
2 weeks
Built by real estate investors, for investors
Clear communication at every step
We look at the big picture, not just your FICO
Whether you’re flipping your first house or scaling your rental portfolio, Trato delivers the capital you need to move fast and win bigger. Join dozens of investors who trust Trato to fund their vision
$625K Fix & Flip in Philadelphia
$520K Cash-Out Refi in Tampa
We can close in as little as 5 days, depending on how quickly we receive documents and clear title. Most deals fund within 5–10 business days.
We provide capital for bridge loans, fix-and-flips, cash-out refinances, and ground-up construction — whether it’s single-family, multifamily, or mixed-use.
No. We underwrite primarily based on the asset and exit strategy — not your tax returns or FICO score. We work with experienced and new investors alike.
Loan amounts typically range from $100K to $5M. We lend up to 85% of the purchase price and up to 70–75% of the ARV, depending on the deal.
Absolutely. For fix-and-flip and construction loans, we offer rehab funding with structured draw schedules based on verified progress. Funds are released promptly after inspections.
Most loans are 6–12 months with interest-only payments. Extensions may be available depending on the deal.
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Loan approval subject to credit and property evaluation
