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Archmont Capital Lending

Archmont Capital Lending

Louisville
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Archmont Capital Lending

502-643-6581
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Vetted Provider

This vendor has been evaluated and confirmed as active, reputable, and qualified to lend.

About

Archmont Capital Lending is a woman-owned, woman-led direct private lender headquartered in Louisville, Kentucky, funding investment property deals across Kentucky, Florida, and Southern Indiana. Founder and President Kim Delaney brings 20 years of licensed real estate experience and 16 years in private lending, along with her own rental portfolio and completed flips in Louisville and Florida, so deals get evaluated by someone who has run the same projects from the borrower side. The team handles underwriting, insurance and compliance, and accounting in-house, and structures around the deal rather than the credit file: points rolled to exit, same-day draws once work is documented, and cross-collateral options that can take qualifying borrowers to 100% financing. Investors who bring an itemized scope of work and a defensible budget out of the FlipperForce Rehab Estimator, paired with an Investment Report showing the exit, give Archmont what it needs to move a pre-approval to a closing date quickly.

Key Differentiators

Why investors choose this lender:

  • Points rolled to exit: preserve cash at closing instead of paying origination up front
  • Same-day draws: approved draws may fund the same day once completed work is documented
  • Cross-collateral to 100% financing: qualifying borrowers can use additional real estate in place of a down payment
  • 5-minute pre-approval: terms issued immediately and valid for up to 6 months
  • Local operator, not an algorithm: Louisville-based founder with 20 years of licensed real estate experience and her own flip and rental track record
  • Multiple active loans permitted: no cap on concurrent projects, with extensions available for borrowers in good standing
  • In-house team: underwriting, insurance and compliance, and accounting handled internally rather than outsourced

Where They Lend

Local
3 States
Archmont Capital Lending funds investment property deals across Kentucky, Florida, and Southern Indiana, with primary coverage in Louisville and surrounding Kentucky markets and throughout South Florida including Miami, Fort Lauderdale, Boca Raton, West Palm Beach, and Delray Beach. As a local balance-sheet lender rather than a national platform, deals are underwritten by a team that walks the market rather than pricing it off an automated valuation model.

Loan Types, Structures and Terms

$100,000 to $10,000,000
Typical Loan Amounts
12 to 24 Months
Typical Terms
Contact for Rates
Typical Interest Rates
Contact for Rates
Typical Points
Short-term, asset-based capital for fix-and-flip projects, bridge acquisitions and refinances, ground-up construction, multifamily, and commercial deals.
Fix-and-Flip
New Construction
Short-Term Bridge
Archmont Capital Lending fix-and-flip loans fund the purchase and renovation of investment properties on a short-term, asset-based structure with a draw process built to keep the rehab schedule intact.
Fix & Flip FeatureStructure & Terms
Project TypesSingle-family and multifamily investment properties, rental and buy-to-hold acquisitions, and value-add renovations across Kentucky, Florida, and Southern Indiana.
Loan Limits & Terms$100,000 to $10,000,000 | 1 to 2 year terms | Interest-only payments | Extensions available for borrowers in good standing
Leverage & Down PaymentA down payment of 10% to 20% is typical. Borrowers with qualifying cross-collateral may be eligible for up to 100% financing. Published LTC and ARV caps are not disclosed: confirm current parameters directly with Archmont.
Structural AdvantagesPoints rolled to exit so capital is preserved at closing. Same-day draws once completed work is documented. Multiple active loans permitted. Track the rehab budget against your original estimate in the FlipperForce Project Budgeter so every draw request is backed by real line-item costs.
Archmont Capital Lending funds ground-up residential construction for builders and developers on a documented draw schedule, with approved draws eligible to fund the same day.
Construction FeatureStructure & Terms
Project TypesGround-up single-family spec homes, townhome developments, and infill multifamily. Recent projects include a 5-townhome build in Shelbyville, KY and a spec home completion in Coconut Grove, Miami.
Loan Limits & Terms$100,000 to $10,000,000 | 1 to 2 year terms | Interest-only payments
Leverage Ratios (LTC)Land and construction budget advance rates are not published: confirm current LTC parameters directly with Archmont.
Structural AdvantagesStraightforward draw schedule with same-day funding on approved draws. Archmont also provides construction coordination support on active builds. Build your milestone dates in the FlipperForce Scheduler so draw requests line up with the contractor critical path instead of trailing it.
Archmont Capital Lending short-term bridge loans provide fast-close capital for acquisitions, cash-out and rate-term refinances, and holds while a borrower prepares for long-term bank financing.
Bridge Loan FeatureStructure & Terms
Use CasesAs-is acquisitions, cash-out refinances, rate-term refinances, estate buyouts, and transitional holds while the borrower secures permanent bank financing.
Property TypesSingle-family, multifamily, rental and buy-to-hold assets, and commercial real estate.
Loan Limits & Terms$100,000 to $10,000,000 | 1 to 2 year terms | Interest-only payments | Rates and origination points are not published: request a quote directly.
Structural AdvantagesCloses in 7 to 10 business days on qualified transactions. 5-minute pre-approval with terms issued immediately and valid for up to 6 months, so you can move the day the right deal appears.
Don't lose the deal waiting on financing. Apply now and get pre-approved today.
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Borrower Qualifications (Are you qualified?)

Archmont Capital Lending underwrites on the property and the business plan rather than personal income history, with loan decisions driven primarily by asset value and loan-to-value. First-time investors are accepted, but every loan must close under a business entity.
Qualification ParameterLender Requirements
Experience LevelsAll experience levels accepted. First-time investors are welcome, and borrowers managing multiple projects can hold more than one active loan at a time.
Credit RequirementAsset-based, not credit-score driven. Loan decisions are based primarily on property value and loan-to-value. A minimum FICO threshold is not published: confirm directly with Archmont.
Income VerificationNo personal income underwriting. Application requires a valid photo ID and recent bank statements, and a recent tax return may be requested. The full application takes roughly 15 minutes.
Entity RequirementBusiness entity required. Loans are available to LLCs, partnerships, corporations, and trusts. Archmont does not make personal loans.

Underwriting Process (How long will it take to get approved?)

Archmont issues a 5-minute pre-approval with terms up front, then coordinates title, appraisal, insurance, and closing documents in-house to hit a borrower-selected closing date.
Stage / RequirementProcess & Timelines
Initial Review5-minute pre-approval with terms issued immediately. Pre-approvals stay valid for up to 6 months. Requires the property address, purchase price, and renovation estimate.
Property ValuationA full appraisal is required on all transactions. Archmont coordinates the appraisal along with title and insurance through its in-house team.
Speed to CloseQualified transactions close in 7 to 10 business days, with the borrower selecting the closing date.
Document ChecklistPurchase contract, rehab scope and budget, valid photo ID, recent bank statements, and entity documents. Export your itemized scope of work from the FlipperForce Rehab Estimator to submit a budget that holds up under review.

Draw Process (How long will it take to get draws?)

Draws are reimbursement-based against documented completed work, and approved draws may fund the same day, which keeps contractor payments and the project schedule from slipping while an inspection clears.
Operational StepMethodology & Timelines
Draw SystemDocumentation-based. After closing, the borrower submits documentation of completed renovation work to request a draw.
Inspection MethodThe inspection method is not published: confirm whether draws are verified by on-site visit or photo documentation directly with Archmont.
Funding TurnaroundApproved draws may be funded the same day, which is materially faster than the 3 to 5 business day turnaround common on national platforms.
Draw FeesPer-draw inspection and processing fees are not published: confirm directly with Archmont.