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Fairview Commercial Lending

Fairview Commercial Lending

Atlanta
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Fairview Commercial Lending

866-634-1270
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Vetted Provider

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

About

1975
Year Founded
Fairview Commercial Lending is an Atlanta, Georgia-based direct portfolio lender providing hard money and bridge loans on residential investment and commercial properties since 1975. The firm lends its own funds, services its own loans, and makes all underwriting decisions in-house with no appraisals and zero upfront fees. Fairview holds an A+ rating with the Better Business Bureau and has been recognized by Colorado Biz Magazine, the Denver Post, and Mortgage Professional America as an industry leader in private capital lending. The firm serves Georgia, Colorado, Florida, and Illinois (Chicago metro for commercial). Residential loans cover NOO investment single-family homes and duplexes only. Loan amounts run from $150,000 to $2,000,000, with LTVs up to 50-60% of current value or purchase price - not ARV. Fairview explicitly does not lend on after-repair value. Loan terms run up to 10 years with flexible amortization or interest-only options. Closings in 5-10 business days with no appraisals required. Fairview accepts all credit including prior bankruptcies and foreclosures, no income verification, and works with individuals, LLCs, corporations, partnerships, trusts, estates, and foreign nationals. Can lend on properties listed for sale or currently in default. Unlimited cash-out for any business reason.

Key Differentiators

Why investors choose this lender:

  • Zero upfront fees - no appraisal, no application, no processing fees - Fairview charges no upfront fees of any kind before closing; no appraisal cost, no application fee, no processing fee; the entire underwriting is handled in-house by Fairview staff at no cost to the borrower, removing a common friction point that eliminates deals before they start
  • Direct portfolio lender since 1975 - lends its own funds, services its own loans - Fairview has been lending its own capital since 1975; no third-party investor committees, no warehouse line approval delays, no broker middlemen; the same team that takes your application makes the funding decision, enabling common-sense underwriting on complex deals most lenders cannot touch
  • 10-year loan terms on hard money - rare in the private lending market - while most hard money lenders cap terms at 12-24 months, Fairview offers terms up to 10 years with flexible amortization or interest-only structures; this is highly unusual in hard money and gives borrowers holding repositioning or value-add assets the runway they need without forced refinance pressure
  • Can lend on properties in default or listed for sale - deals other lenders won't touch - Fairview explicitly lends on properties currently in default (note called, etc.) and properties actively listed for sale; most hard money lenders refuse both; this makes Fairview a critical capital source for distressed acquisitions, foreclosure avoidance, and estate or probate scenarios
  • A+ BBB rating, no minimum FICO, unlimited cash-out - Fairview has maintained an A+ Better Business Bureau rating through decades of lending; accepts all credit including prior bankruptcies and foreclosures; offers unlimited cash-out for any business purpose with no restrictions on use of proceeds
  • Foreign nationals accepted with no income verification - Fairview accepts foreign national borrowers with no income verification, no W-2s, and no tax returns required; qualification is based entirely on the property; a meaningful differentiator for international investors active in Georgia, Colorado, and Florida markets

Where They Lend

Regional
GA, CO, FL, IL
Georgia, Colorado, Florida, and Illinois (Chicago metro - commercial only). Residential NOO investment SFR and duplexes in GA, CO, FL. Commercial mixed-use, office, retail, and light industrial in GA, CO, FL, IL. 1st lien only. No ARV-based lending.

Loan Types, Structures and Terms

$150,000 to $2,000,000
Typical Loan Amounts
Up to 10 Years
Typical Terms
Up to 50-60% LTV off current value or purchase price (NOT ARV). No ARV lending. $150K-$2M. Up to 10 year terms. Residential NOO SFR/duplex in GA, CO, FL. Commercial mixed-use/office/retail/industrial in GA, CO, FL, IL. 1st lien only.
Fix-and-Flip
Short-Term Bridge
Fairview Commercial Lending fix-and-flip acquisition loans fund $150,000 to $2,000,000 at up to 50-60% of current value (not ARV) in GA, CO, and FL. No upfront fees, no appraisal, no minimum FICO. Close in 5-10 days. Foreign nationals and distressed-credit borrowers welcome.
Fix & Flip FeatureStructure & Terms
Loan Amount$150,000 to $2,000,000 (lower minimums available case-by-case in GA and CO)
Max LTVUp to 50-60% of current value or purchase price (whichever is lower). No ARV-based lending.
Loan TermUp to 10 years | Flexible amortization or interest-only | Flexible prepayment
Upfront FeesNone. No appraisal fees, no application fees, no upfront costs.
Speed to Close5-10 business days or less. No appraisal required - in-house underwriting only.
Property TypesInvestment single-family homes and duplexes (NOO). Can lend on properties listed for sale or currently in default.
Geographic CoverageGeorgia, Colorado, Florida
Fairview Commercial Lending bridge loans fund $150,000 to $2,000,000 at up to 50-60% LTV on residential NOO and commercial properties in GA, CO, FL, and IL. No upfront fees, no appraisal, no minimum FICO. Close in 5-10 days. Foreign nationals, distressed credit, and in-default properties accepted.
Bridge Loan FeatureStructure & Terms
Use CasesResidential NOO acquisitions, commercial acquisitions, cash-out bridge, foreclosure avoidance, property repositioning, distressed credit scenarios, listed-for-sale properties, and foreign national lending in GA, CO, FL, IL
Loan Amount$150,000 to $2,000,000 (lower minimums available in GA and CO case-by-case)
Max LTVUp to 50-60% of current value or purchase price (whichever is lower). No ARV-based lending - ever.
Loan TermUp to 10 years | Flexible amortization or interest-only | Flexible prepayment terms
Upfront FeesZero upfront fees. No application fee, no appraisal fee, no processing fee before close.
AppraisalNo appraisal required. All underwriting completed in-house by Fairview's own staff.
Cash-OutUnlimited cash-out for any business purpose. No restrictions on use of proceeds.
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Borrower Qualifications (Are you qualified?)

Fairview Commercial Lending requires no minimum FICO score and no income verification. All credit accepted including prior bankruptcies. No upfront fees of any kind - no appraisal, no application fees. Loans based on current value or purchase price, not ARV. Foreign nationals accepted.
Qualification ParameterLender Requirements
Minimum Credit ScoreNone. Fairview is not credit score driven. All credit accepted including prior bankruptcies and foreclosures.
Income VerificationNo income verification required. Qualifications are based primarily on the property, not the borrower's financial history.
Upfront FeesNone. No application fees, no appraisal fees, no upfront costs of any kind. Underwriting is handled in-house by Fairview's own staff.
Eligible BorrowersIndividuals, Corporations, LLCs, Partnerships, Trusts, Estates. Foreign nationals accepted. Prior bankruptcy and foreclosure OK.
Property BasisLoans based on current value or purchase price - whichever is lower. No ARV-based lending. Fairview does not lend against after-repair value.
Special CircumstancesCan lend on properties listed for sale or currently in default. Unlimited cash-out for any business purpose. Complex multi-collateral loans considered.

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

Fairview Commercial Lending handles all underwriting in-house with no appraisals and no upfront fees. Closings in 5-10 business days. No minimum FICO, no income verification. All credit accepted. Direct decision maker - no middlemen. A+ BBB rated.
Stage / RequirementProcess & Timelines
ApplyOne-page application at fairviewlending.com/hard-money-loan-programs/hard-money-loan-application. No upfront fees at any stage of the process.
UnderwritingIn-house only. No appraisal required. Fairview's own staff evaluates the property directly. No outside vendors, no committee delays.
Credit & IncomeNo minimum FICO. No income verification. Prior bankruptcy, foreclosure, tax liens, and judgments all accepted. Stated income. Foreign nationals welcome.
Decision MakerFairview is a direct lender and decision maker. You work directly with the team that approves and funds the loan - no brokers, no middlemen.
Speed to CloseClosings in 5-10 business days or less. Residential hard money can close in as few as 3-4 days depending on circumstances.

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

Fairview Commercial Lending does not use a standard rehab draw process as they do not lend based on ARV or fund renovation construction budgets. Fairview is a direct portfolio lender focused on fast acquisition and bridge financing secured by current property value. All funding decisions made in-house with no appraisals and closings in 5-10 days.
Operational StepMethodology & Timelines
No ARV LendingFairview does not lend based on after-repair value (ARV) and does not fund renovation construction budgets via a draw process. Loans are based on current property value or purchase price - whichever is lower.
Portfolio Lender StructureFairview lends its own funds and services all loans in-house. All funding decisions made by Fairview's own team - no middlemen, no committees, no third-party approvals.
Close SpeedClosings in 5-10 business days or less. No appraisals required. In-house underwriting by Fairview staff only.
No Upfront FeesZero upfront fees on all transactions - no application fees, no appraisal fees, no processing fees prior to closing.
FlipperForce IntegrationUse FlipperForce's Flip Analyzer to model your acquisition and resale economics before applying. Fairview's bridge structure is best paired with a clearly defined exit strategy validated in advance.