The Institution of Private Capital.
Direct merchant banking solutions for sophisticated real estate developers and investors. We provide certainty of execution when timing is the primary asset.
Loan Programs
Capital structures tailored to asset-specific requirements.
Fix & Flip
Rapid acquisition and renovation capital for value-add residential projects.
Commercial
Stabilized or bridge financing for mixed-use, retail, and office portfolios.
Construction
Ground-up financing from single-family luxury to multi-unit developments.
Land & Lot
Inventory loans and horizontal development financing for pre-construction phases.
Recently Funded Portfolios
A curated record of strategic deployments across the Nashville and North Carolina corridors. We prioritize transparency and deal flow momentum.
Institutional Expertise. Individual Focus.
Direct Capital Originators
Unlike brokers, we lend our own discretionary capital. This allows for immediate decisions and a streamlined closing process without third-party committee delays.
Strategic Asset Underwriting
We understand the intrinsic value of real estate collateral. Our team specializes in complex deal structures that traditional banks often overlook.
Legacy of Performance
Since 2009, Bell Rock Finance has been a reliable partner through multiple market cycles, providing the stability necessary for long-term real estate growth.
Lending FAQ
What are typical loan terms?
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Loan terms vary by product. Fix & Flip loans run 12–18 months with up to 90% LTC. Commercial bridge loans are 12–24 months up to 70% LTV. Construction loans run 12–24 months with up to 85% LTC. Land and lot loans are typically 12 months, up to 60% LTV, interest-only.
How fast can you close?
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Fix & flip and bridge loans typically close in 7–10 business days from a complete application. Construction loans generally close in 14–21 days due to plans and budget review. Repeat borrowers have closed in as few as 5 days.
Do you require a minimum credit score?
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As an asset-based lender, we primarily underwrite the property and sponsor. While we review credit, we have no hard minimum for well-collateralized deals with strong sponsors. We do not require tax returns or income verification.
What is your maximum LTV?
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Maximum leverage depends on the loan product. Fix & Flip loans go up to 90% of total cost (purchase plus rehab). Construction loans up to 85% LTC. Commercial bridge loans up to 70% LTV. Land loans up to 60% LTV.
What geographic markets do you serve?
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Bell Rock Finance is headquartered in Mesa, Arizona and actively lends across the Southwest and Southeast United States, with significant transaction volume in Arizona, Tennessee, and the Carolinas.
Initiate Inquiries.
Our managing directors are available for confidential consultations regarding your project portfolio.
Begin Your Application
Submit a short application with your project details. We respond with a term sheet within 24 hours.
Start Application →