Fund the next deal —
on your terms.
Creative Lending USA is a direct capital partner for U.S. real estate investors — from DSCR rentals and fix-and-flips to bridge, new construction, multifamily, and foreign-national programs. Real human underwriters, term sheets in 24 hours.
What are you funding?
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 more about DSCR LoansBridge Loans
Fast-close capital to acquire, season, or stabilize the next deal.
Learn more about Bridge LoansFix & Flip
Up to 90% of purchase and 100% of rehab on 1–4 unit projects.
Learn more about Fix & FlipNew Construction
Ground-up financing for SFR, townhomes, and small infill builds.
Learn more about New ConstructionMultifamily
5+ unit acquisition, value-add, and refinance up to $25M.
Learn more about MultifamilyForeign National
No SSN, no U.S. credit — purchase U.S. rentals from anywhere in the world.
Learn more about Foreign NationalInvest 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
Invest alongside us in private real estate credit.
Accredited and institutional investors earn senior-secured, monthly income from the same first-lien real estate loans we originate every day.
Three 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. Construction in 30.
Get a term sheet in 24 hours.
Tell us about the property. A senior underwriter will reach out the same day with real pricing — not a generic rate sheet.