Explore Our Loan Programs
Discover a range of tailored loan programs designed to meet your unique financial needs. As a lending broker, Barts Bucks doesn't sell one lender's product — our team matches your deal with lenders across our hard money, private money, and institutional network, and finds the fit for your project.
Owner/User Loans
Fuel your business growth with Owner/User loans arranged for acquiring, refinancing, or improving properties occupied by your own business. Benefit from competitive terms, high loan-to-value ratios, and flexible structures. We help you secure the financing needed to expand, renovate, or relocate with confidence.
Investor Loans
Unlock new opportunities with investor loans offering flexible financing for commercial real estate. Whether purchasing, refinancing, or improving properties, our team places your deal with lenders that fit your strategy, so you can maximize your investment potential and keep your portfolio growing.
Fix & Flip Loans
Short-term financing built for the flip: purchase money plus rehab funds, structured around your after-repair value and your exit strategy. Our team moves your request to hard money and private lenders who understand timelines — because in a flip, speed to close is part of the profit.
DSCR Loans
Long-term rental financing qualified on the property's debt service coverage — its rental income — rather than your personal tax returns. A fit for buy-and-hold investors building a portfolio, including cash-out refinances that let you pull equity and buy the next property.
Ground-Up Construction Loans
Financing for new residential construction, from land and plans to a completed, sellable or rentable property. Bring your plans, budget breakdown, and permits — our team will match the project with construction lenders who fund in stages as the build progresses.
Bridge Loans
Short-term capital that bridges the gap between where you are and where the deal needs to be — acquire now, stabilize, then refinance or sell. Bridge financing keeps a good deal from dying while long-term financing catches up.
Hard Money / Private Money
Asset-based lending that looks at the deal first — the property, the equity, and the exit — instead of leading with paperwork. For experienced investors and time-sensitive deals that a traditional lender would slow down or turn away.
Commercial & SBA Loans
Optimize your business potential with commercial lending solutions ideal for expansion, equipment purchases, or refinancing debt. Our SBA options — including SBA 504 — support small businesses with favorable terms, lower down payments, and extended repayment options, perfect for expanding operations or improving facilities.
Full Doc & Lite Doc
Not every borrower fits full-documentation underwriting. We arrange both full-doc loans for borrowers with clean, complete files and lite-doc programs with streamlined documentation for some loans — so self-employed borrowers and complex files still have a path to funding.
30-Year Fixed
Long-term, fixed-rate financing with a 30-year horizon — payment certainty for buy-and-hold investors who plan to keep a property, not flip it. No balloon surprises, no rate resets: one payment you can underwrite your rents against for the long run.
Business Funding
Working capital and growth funding for operating businesses — expansion, inventory, cash-flow gaps, and opportunities that can't wait for a traditional approval cycle. Tell us about your business and what the funding is for, and our team will find the options.
Equipment Funding
Funding for the vehicles, machinery, and equipment your business earns with. Spread the cost of essential equipment over time instead of draining operating cash, and keep your crews and your business moving.
Loan Terms at a Glance
- Loan Amounts
- $50K to $2B+
- Credit
- FICO 640+
- Loan-to-Value
- Up to 90% LTV
- Payments
- Interest-only options
- Collateral
- Real estate preferred
- Coverage
- Nationwide U.S.
- Cash-Out
- Available — access your equity
- Documentation
- Streamlined for some loans
- Foreign Nationals
- Accepted