Fund the next deal —
on your terms.
Creative Lending USA is a direct capital partner for real estate investors and U.S. businesses. From DSCR rentals and fix-and-flips to SBA, MCA, and lines of credit — local investors, foreign nationals, and operators get matched with the right program and a real human underwriter.
Direct lender
We underwrite and fund in-house. No middlemen, no surprises at the closing table.
Speed that closes deals
Term sheets in 24 hours. Bridge and hard-money closings in as little as 7 business days.
Real-world underwriting
Common-sense credit for investors, foreign nationals, and operators the banks decline.
Every program a serious investor needs
Whether you're acquiring your first rental or scaling a 200-door portfolio, we have a non-QM program built for the way investors actually buy real estate.
DSCR Loans
Qualify on rental cash flow — no W-2s or tax returns required.
Learn moreBridge Loans
Fast-close capital to acquire, season, or stabilize the next deal.
Learn moreFix & Flip
Up to 90% of purchase and 100% of rehab on 1–4 unit projects.
Learn moreNew Construction
Ground-up financing for SFR, townhomes, and small infill builds.
Learn moreMultifamily
5+ unit acquisition, value-add, and refinance up to $25M.
Learn moreForeign National
No SSN, no U.S. credit — purchase U.S. rentals from anywhere in the world.
Learn moreInvest in U.S. real estate from anywhere in the world.
No SSN. No U.S. credit. No U.S. tax returns. We close in an LLC, in your name, and have funded investors from 40+ countries — Israel, Canada, the UK, UAE, Mexico, Brazil and beyond.
Foreign National program- Loans from $100K to $3M per property
- Purchase, refinance, or cash-out
- Up to 70% LTV — fixed and ARM options
- Close in an LLC for asset protection
- No personal U.S. income documentation
Capital for the businesses that build America.
SBA, MCA, lines of credit, and private loans for restaurants, contractors, healthcare, e-commerce, trucking — funded in days, not months.
SBA 7(a) & 504
Long-term, low-rate capital backed by the U.S. Small Business Administration.
ExploreMerchant Cash Advance
Fast working capital tied to your daily card revenue.
ExploreLine of Credit
Draw what you need, pay interest only on what you use.
ExplorePrivate Lending
Custom terms for unique credit boxes traditional banks won't touch.
ExploreThree steps to funded.
Tell us the deal
Five-minute scenario form. No hard credit pull.
Term sheet in 24h
A real underwriter prices the file and gets you options.
Close & fund
Bridge in 7–14 days. DSCR in 21. SBA in 30–45.
Get a term sheet in 24 hours.
Tell us about the property or the business. A senior underwriter will reach out the same day with real pricing — not a generic rate sheet.