5.0 from verified Google reviews

Real estate lending built for your deal.

Asset-based lending for real estate investors. No W2s or tax returns required.

Submit your dealSee loan products

A few recent closings

Two-story single-family home funded by Trato Lending in Sellersville, Pennsylvania
Sellersville, PA$431,565FIX & FLIP
Multi-unit rental property funded by Trato Lending in Ocala, Florida
Ocala, FL$273,750DSCR
Brick twin home funded by Trato Lending in Philadelphia, Pennsylvania
Philadelphia, PA$231,000FIX & FLIP
Stone-front rowhome funded by Trato Lending in Philadelphia, Pennsylvania
Philadelphia, PA$192,000FIX & FLIP
Renovated single-family ranch funded by Trato Lending in Columbus, Ohio
Columbus, OH$156,000FIX & FLIP

$250K – $5M · 45 states

RECENTLY FUNDED

Capital, deployed.

A selection of recent closings. Real deals. Real investors. Real terms.

Leverage
90% + 100%purch + rehab
Term
12 months
Property
Single-family
Leverage
90% + 100%purch + rehab
Term
12 months
Property
Single-family
LTV
75%
Term
30 years
Property
4-unit

Closed loans, actual terms. Names withheld for borrower privacy.

See more recent closings
Loan Programs

Built for the way real investors actually operate.

Four programs. One underwriting standard. Pick the one that matches your exit.

Fix & Flip

Funding for purchase + rehab

Best for: buy, renovate, sell

Rates From

9.00%

Max Loan

Up to $5M

Leverage

Up to 95% LTC + 100% Rehab

Term

12 months

Origination

From 1.50%

Max ARLTV

Up to 75%

  • Funded fast, typically in days, not weeks
  • Draw schedule for rehab funds
  • Interest-only payments
View details

DSCR Rental

30-year rental loans

Best for: long-term holds

Rates From

6.50%

Max Loan

Up to $5M

Leverage

Up to 80% LTV

Term

30 years

Origination

From 1.50%

  • Short and long term rentals
  • No tax returns required
  • Interest-only option available
View details

Bridge

Short-term bridge capital

Best for: fast closings and transitions

Rates From

10.00%

Max Loan

Up to $5M

Leverage

Up to 80% LTV

Term

12 months

Origination

From 2.00%

  • Funded fast, in days, not weeks
  • Interest-only payments
  • No prepayment penalty
View details

Ground Up Construction

For new builds with plans in place

Best for: new construction

Rates From

10.00%

Max Loan

Up to $5M

Leverage

Up to 85% total LTC

Term

12–18 months

Origination

From 2.00%

Max ARLTV

Up to 70%

  • Ground up construction
  • 100% of build costs funded
  • Draw schedule based on progress
View details

Maximum leverage subject to borrower experience, FICO, and property location. Indicative terms only, subject to underwriting. Lending in 45 states.

THE PROCESS

From inquiry to wire, without the wait.

i.

Submit the scenario

Share the deal. Property, strategy, and numbers. No tax returns. No W2s.

ii.

Receive your indicative terms

Indicative terms, not "pending committee."

iii.

Diligence & appraisal

Title, insurance, and appraisal run in parallel. You stay focused on the deal. We handle the file.

iv.

Close & fund

Wire hits escrow. Rehab draws move fast so your crew never waits on capital.

INDICATIVE TERMS IN MINUTES

Tell us about your deal.

Five questions to see your structure. The rest only if you like it.

Your deal

No credit pull. No commitment required.

COMMON QUESTIONS

Frequently Asked Questions

Most deals fund within 10 business days. Submit your deal and we will come back with indicative terms quickly.

No. We underwrite based on the property and your exit strategy, not your income documents. New investors are welcome.

We lend from $250K to $5M across Fix & Flip, DSCR Rental, Bridge, and Ground Up Construction loans. We'll work with you to structure financing around your deal.

Fix & Flip, DSCR rentals, ground up construction, bridge loans, and cash-out refinances. Not sure if your deal qualifies? Submit it anyway. We'll let you know.

Yes. For fix and flip and construction loans we offer up to 100% rehab reimbursement through structured draws released after verified progress inspections.

Most loans are 12–18 months with interest-only payments. Extensions may be available depending on the deal.

Origination points typically run 1.5–2.5%, plus standard third-party costs (appraisal, title, legal). No junk fees. Every fee appears on the indicative terms, and nothing is discovered at closing.

No. Our initial indicative terms are based on the deal and your stated track record, and no credit pull is required. Once you've approved your terms, we begin formal underwriting, which includes a soft credit pull.

Still Have Questions? Let's Talk

No commitment required

WHO YOU ARE WORKING WITH

Built by operators, not loan processors.

Trato is run by a team with backgrounds in fintech, real estate, and private credit. We underwrite every file in house, so the person who answers your first call is the person who signs off on your terms. No call centers, no handoffs, no committee sitting between you and an answer.

We read the asset, the comps, and your exit before we read anything about your tax filings. If the deal works, you will hear it fast.

(786) 800-3552loans@tratolending.com
Verified Reviews

What borrowers say

Verified reviews from Google
As a newer investor I was nervous about hard money lenders, but Trato made the process clear and straight forward. They walked me through the purchase + rehab financing and funded 85% of the total project cost. Closed in six days with zero surprises at the closing table.

Tom

Fix & Flip Investor