Transactional 1st-Lien Capital for Real Estate Investors.
Direct balance-sheet lender funding small-balance residential investment acquisitions across Tennessee — slow-flips, wraps, and everything in between. Term sheets in 24 hours. Net-funded through local title with zero upfront fees.
Loan Program
The Ridge Lending Box
A tight, transparent credit box built for speed on small-balance Tennessee acquisitions. Every term below is indicative and confirmed in writing on your signed term sheet.
- Asset Class
- Non-owner occupied 1–4 unit residential
- Geography
- Tennessee — focus on Shelby County / Greater Memphis
- Loan Range
- $30,000 to $60,000
- Max LTC
- Up to 80% of Purchase Price (max 70% As-Is Value)
- Collateral Floor
- $50,000+ confirmed as-is value (comps + photo BPO)
- Terms
- 12.00% Fixed · 60–84 Month (5–7 Year) Amortizing0% Prepayment PenaltyNo BalloonBorrower-Selected Term
- Fee
- $2,000 flat origination fee — net-funded at closing
- Servicing
- FCI Lender Services (automated ACH)
- Speed
- 24-hr term sheet · 7–10 day closing via approved title
Process
Contract to Wire in Four Steps
Submit Contract
Send the executed purchase contract and property basics through the intake form below.
Term Sheet Issued
Our credit desk underwrites the deal and returns indicative terms within 24 hours.
Title & Doc Prep
An approved Tennessee title attorney prepares lien documents; FCI ACH servicing is set up.
Net Wire to Title
Proceeds are wired net of fees directly to closing title — typically 7 to 10 days from intake.
FAQ
Common Questions
Who can borrow from Ridge Lending?
Bona fide business entities only — LLCs or corporations acquiring non-owner-occupied 1–4 unit residential investment property in Tennessee. We do not lend to individuals in their personal name.
Is this a consumer or home mortgage loan?
No. Every loan is strictly commercial and business-purpose, secured by investment real estate. We do not originate consumer, owner-occupied, or personal-purpose mortgages of any kind.
What does it cost to apply?
Nothing upfront. The only fee is a $2,000 flat origination fee, which is net-funded out of proceeds at closing — you never write us a check to get a term sheet.
How fast can you close?
Indicative term sheets are issued within 24 hours of a complete intake. Closings typically run 7–10 days through an approved Tennessee title attorney.
Can I pay the loan off early?
Yes. All loans are fully amortizing over your selected 5, 6, or 7-year term with a 0% prepayment penalty and no balloon payment at maturity.
Who services the loan after closing?
FCI Lender Services, a professional third-party servicer. Payments are collected by automated ACH and you receive full online account access.
Deal Intake
Submit a Deal
Complete the intake and our credit desk responds with an indicative term sheet within one business day.
- Term sheets issued within 24 hours
- Borrowing entities only — LLC or Corporation
- Zero upfront fees; $2,000 origination net-funded at closing