Kennedy Funding

What Kennedy Funding does

Kennedy Funding is a private, family-owned direct lender founded in 1987 and headquartered in Englewood Cliffs, NJ. The firm originates short-term bridge loans against commercial real estate and land, with typical loan sizes between $1 million and $50 million+ priced at interest rates of 8% to 12% and up to 75% loan-to-value. Decisioning and closing are structured for speed, with closings executed in as little as five days through asset-based underwriting that emphasizes collateral coverage over institutional-grade borrower metrics.

The company differentiates by serving borrower segments underserved or declined by regulated depository institutions, including foreign nationals and cross-border borrowers, religious facilities, and sponsors acquiring transitional or non-stabilized assets. It originates across the US and selectively in international markets including the Caribbean, Europe, Canada, and Central/South America. Distribution is heavily broker-led, with mortgage broker relationships functioning as the principal source of deal flow rather than direct-to-borrower marketing.

Kennedy Funding has closed more than $4 billion in loans cumulatively since inception and employs between 11 and 50 staff. The firm is led by Kevin Wolfer (CEO and President) and Gregg Wolfer (COO), maintaining continuous family ownership and control. Revenue is generated from net interest income on outstanding bridge loans and origination points, with capital sourced from the owners' balance sheet rather than external investors or securitization markets.

Name

Kennedy Funding

Legal name

Kennedy Funding, Inc.

Website

https://kennedyfunding.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

Kennedy Funding is a private, family-owned direct lender founded in 1987 that originates bridge loans on commercial real estate and land, typically $1M-$50M+ at 8-12% interest, with rapid 5-day closings and a specialization in foreign national and cross-border borrowers across the US and international markets.

Ownership category

akta.pro rank

Product category

Commercial Real Estate Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

akta.pro secondary industry

Senior Secured Direct Lending (FSANADAA)

Keywords

• Bridge loan lending
• Commercial real estate financing
• Private money lending
• Hard money loans
• Asset-based lending

Headquarters

HQ city

Englewood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Bridge Loan Interest: Direct private lender providing bridge loans for commercial property and land acquisition, development, workouts, bankruptcies, and foreclosures. Generates revenue through interest on loans with typical terms of 2-3 years, interest-only periods, and rates ranging from 8-12% depending on deal complexity and borrower profile.
2. Loan Origination Fees: Fees charged at loan closing for arranging and funding bridge loans. Amounts vary based on loan size and complexity.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Kennedy Funding is a direct private lender that originates short-term commercial bridge loans and related commercial real estate financing, including land loans, working capital loans, cash-out refinance loans, and loans for foreign nationals and religious facilities. The firm targets borrowers with non-owner-occupied properties, distressed assets, or complex profiles that conventional banks decline, and emphasizes fast closings backed by asset-based underwriting.

Product overview

Kennedy Funding operates as a direct private lender offering a unified portfolio of bridge loan products centered on commercial real estate and land-based financing. The core offerings include Commercial Bridge Loans, Land Loans, Working Capital Loans, and Cash-Out Refinance Loans, all evaluated through asset-based lending criteria rather than conventional underwriting. The firm also maintains specialized products including a Foreign National Lending Platform designed for international investors without U.S. credit history, and Religious Facility Loans for non-traditional property types. All products share the common characteristics of fast closings (as little as five days), loan sizes from $1 million to over $50 million, and leverage up to 75% loan-to-value.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Bridge Loans
• Land Loans
• Working Capital Loans
• Cash-Out Refinance Loans
• Foreign National Lending Platform
• Religious Facility Loans

Quantifiable outcome

• Over $4 billion in closed loans to date
• +3 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Eleven partnerships are on record, tiered minor.

• Commercial Real Estate Consultant Services LLCminorChannel Partner/ Reseller/ Distributor · 28 April 2026Boca Raton, Florida-based broker represented borrower Erna Enterprises Inc in $1.16 million land loan transaction for Banning, California development. Broker facilitating deal flow between borrowers and Kennedy Funding.
• Crux Commercial PartnersminorChannel Partner/ Reseller/ Distributor · 1 November 2025Partner Greg Satterfield brokered $3 million cash-out refinance loan in rural Washington State for foreign national borrower. Facilitated deal involving complex partnership issues and mechanic's lien.
• The Beach Dallas LLC (Borrower)minorOthers · 9 October 2025Borrower who came to Kennedy after initial lender failed to deliver after three years. Represents typical deal flow through broker referrals for difficult situations.
• Christian ToxboeminorOthers · 9 October 2025Borrower who was referred by a broker to Kennedy Funding after previous lender closed their office. Represents typical customer acquisition through broker referrals.
• Golden Tree LendingminorChannel Partner/ Reseller/ Distributor · 1 March 2024Broker Jackson Zhang connected Dhaliwal TC Landing with Kennedy Funding for $2.7 million land loan in Tacoma, WA suburb. Represents international borrower deal flow.
• Barefoot MortgageminorChannel Partner/ Reseller/ Distributor · 1 February 2024Austin, Texas-based broker that facilitated $2.75 million land loan for Kansas City multi-family development. Steven Wilson, President, represented borrower LOF GP, LLC.
• Penn Commercial LendingminorChannel Partner/ Reseller/ Distributor · 1 May 2021CEO John Penn represented borrower Plaza Mexico in $1.35 million loan for Winter Haven, Florida development. Preferred lender for rural lending deals.
• Savel Capital PartnersminorChannel Partner/ Reseller/ Distributor · 1 April 2021Portugal-based broker João Pedro Fonseca Costa represented Brazilian borrower Scariot Agro Business in $2.64 million agricultural land loan. Kennedy's only lender capable of doing land deals in Brazil according to broker.
• Chiron Financial LLCminorChannel Partner/ Reseller/ Distributor · 1 February 2020Managing Director Solomon Campbell represented SLH Tuscaloosa LLC in $2.75 million land loan for Tuscaloosa, Alabama hotel development. Advisor facilitating deal flow.
• BW Capital AdvisorsminorChannel Partner/ Reseller/ Distributor · 1 November 2018General debt advisor to RTI Forensics represented by Lamar Barnes. Facilitated $3.2 million loan for Maryland engineering firm headquarters in 10 days.
• Equis Capital FinanceminorChannel Partner/ Reseller/ Distributor · 1 May 2017President Angelo Butsianis represented Pegasus Development Company in $2.28 million Jamaica housing development loan. Previous positive experience with Kennedy 16 years prior.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Patch of Land: Patch of Land is a real estate crowdfunding platform that funds bridge loans on residential and small commercial properties. Same underlying asset class (CRE bridge) as Kennedy but emerging model with different underwriting scale and institutional traction.
• Groundfloor: Groundfloor offers fractional real estate debt investment products allowing retail investors to fund bridge loans. Overlaps with Kennedy on the bridge lending product category but uses a radically different capital-pooling model rather than direct principal balance-sheet lending.
• EasyKnock: EasyKnock provides alternative residential real estate financing including bridge and equity-release products. Adjacent to Kennedy's bridge lending focus but targeting consumer residential rather than investor/developer commercial real estate.

Direct peers

• Lima One Capital: Lima One Capital is a direct hard money lender specializing in bridge financing for residential and commercial real estate investors. Operates an asset-based, internally-funded model closely paralleling Kennedy's direct private lending approach, serving the same investor/developer borrower base rejected by conventional lenders.
• LendingOne: LendingOne is a direct private bridge and construction lender for real estate investors, with asset-based underwriting and rapid closings on residential and small commercial properties. Closely overlaps Kennedy's investor/developer customer profile and product suite.
• RCN Capital: RCN Capital is a direct private lender offering bridge, fix-and-flip, and new construction loans to real estate investors and developers nationwide. Asset-based, internally-funded lending model directly comparable to Kennedy Funding's.
• CoreVest Finance: CoreVest is a direct private lender focused on residential real estate investors, offering bridge loans and rental financing with asset-based underwriting. Direct competitor in the CRE bridge lending niche; acquired by Redfin reflecting investor interest in the asset class.
• Anchor Loans: Anchor Loans is one of the largest direct private lenders to real estate investors in the U.S., providing fix-and-flip, bridge, and new construction loans. Asset-based underwriting and speed of execution directly mirror Kennedy's model and customer profile of borrowers unable to qualify with conventional banks.
• Kiavi: Kiavi (formerly Kwikset) is a tech-enabled direct lender providing bridge financing to residential real estate investors, blending proprietary technology with asset-based underwriting. Same customer segment as Kennedy, with broader product suite and institutional backing.
• HMC Capital / Visio Financial: HMC Capital (formerly Visio Financial / VLF) is a direct private bridge lender for residential and commercial real estate investors. Same core product (bridge lending) and target customer (real estate investors who can't access conventional credit) as Kennedy Funding.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/KennedyFunding

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments8 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kennedy Funding