Constitution Lending
Constitution Lending is a Connecticut-based hard money lender that originates fix-and-flip, bridge, and DSCR rental loans for real estate investors and offers accredited investors access to real estate notes and a real estate credit fund.
- Company typePrivate
- Founded2018
- HeadquartersWestport, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Constitution Lending does
Constitution Lending is a privately held, Connecticut-based hard money lending platform that operates a two-sided marketplace: on the borrower side, it originates short-term bridge and fix-and-flip loans (up to 85% loan-to-cost) and 30-year DSCR rental loans (from 0.75x debt service coverage) for real estate investors; on the investor side, it enables accredited investors to fund individual property notes, pre-funding notes, or a diversified Constitution Real Estate Credit Fund as first-lien lenders. The company runs on a digital platform with an automated instant-quote pricer (borrow.constlending.com/pricer) and separate self-serve portals for borrowers and investors, supplemented by a broker referral channel. Constitution Lending also purchases nonperforming loans and distressed real estate assets, reporting $100M+ in cumulative hard money originations, 400+ units under management in Connecticut, and $40M+ in nonperforming loans acquired.
The business is structured as Constitution Credit, LLC, an active Connecticut operating entity founded in 2018 by three former bankers (Kyle, Joe, and Ricardo). It appears to be founder-owned and bootstrapped, with no disclosed institutional capital, warehouse facility, or public funding rounds. Revenue mechanics come from origination fees and interest on loans originated, transaction economics on purchased nonperforming loans (resolution/restructuring/foreclosure recovery), and management-level economics on the Constitution Real Estate Credit Fund. Money transmission is handled through a partnership with Priority / Finxera (NMLS #1168701). Operations and unit portfolio are concentrated entirely in Connecticut, with marketing driven through the company website, LinkedIn, Twitter, Facebook, a blog, and an Intercom-based FAQ — and the firm reports a 92% repeat-borrower rate among experienced borrowers and a high (though anomalously reported) investor reinvestment figure.
Constitution Lending firmographics
Firmographics- Name
- Constitution Lending
- Legal name
- Constitution Credit, LLC
- Website
- https://ConstLending.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Constitution Lending is a Connecticut-based hard money lender that originates fix-and-flip, bridge, and DSCR rental loans for real estate investors and offers accredited investors access to real estate notes and a real estate credit fund.
- Ownership category
- akta.pro rank
Constitution Lending industry classification
Industry- Product category
- Real Estate Lending
- NAICS
- Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163), Finance Services (6199)
- akta.pro primary industry
- Private Credit / Direct Lending (FSAAAHAG)
- akta.pro secondary industry
- Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)
Keywords
Where Constitution Lending is headquartered
LocationHeadquarters
- HQ city
- Westport
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Constitution Lending business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Loan Origination: Constitution Lending originates hard money loans including DSCR rental loans (starting from 0.75x debt service coverage ratio) and fix-and-flip/bridge loans (up to 85% LTC). Revenue is generated through interest rates and origination fees on the loans originated.
- Loan Purchasing: The company purchases nonperforming loans and real estate notes, generating returns through loan resolution, restructuring, or foreclosure recovery.
- Real Estate Credit Fund: Operating a Real Estate Credit Fund that invests in performing and non-performing loans secured by first lien notes on real estate, generating returns for the fund and management fees for Constitution.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | DSCR Rental Loans starting from 0.75x debt service coverage ratio |
| Other | Pay-as-you-go | Fix-and-Flip/Bridge Loans up to 85% LTC |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Constitution Lending product offering
Product offeringCore offering
Constitution Lending is a real estate lending platform that originates, purchases, and services short-term bridge and rental property loans for real estate investors. The company also operates a credit fund and issues real estate-backed notes that allow accredited investors to participate in first-lien debt positions on individual properties.
Product overview
Constitution Lending operates as a real estate lending platform offering two core loan products for borrowers (Fix-and-Flip/Bridge Loans and DSCR Rental Loans) alongside two investment products for accredited investors (Real Estate Notes and the Constitution Real Estate Credit Fund). The platform enables real estate investors to obtain financing through automated pricing and closing certainty, while providing investors co-investment opportunities in real estate loans originated or acquired by the company.
Differentiator
Problem solved
Functional benefit
Brands
- Constitution Real Estate Credit Fund: Real estate credit fund offering exposure to performing and non-performing loans secured by first lien notes on real estate.
Products and services
- Fix-and-Flip/Bridge Loans
- DSCR Rental Loans
- Real Estate Notes
- Constitution Real Estate Credit Fund
Quantifiable outcome
- 92% of experienced borrowers return for additional loans
- +1 more outcomes
Companies that use Constitution Lending
Customer profileSegments3 records
Ideal customer profiles3 records
Constitution Lending technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Constitution Lending partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights4 records
Constitution Lending competitors and assessment
Company assessmentDirect peers
- Sharestates: Real estate crowdfunding platform offering debt investments in residential fix-and-flip and rental loans. Comparable to Constitution's accredited investor note and fund products.
- Kiavi: Online hard money lender offering fix-and-flip and rental (DSCR) loans to real estate investors with an automated pricing engine. Closest direct comparable to Constitution Lending's product mix, technology-led origination model, and investor base.
- Lima One Capital: National hard money lender specializing in fix-and-flip, bridge, and rental portfolio loans for real estate investors. Comparable to Constitution's core borrower product set, though operating at significantly larger scale.
- CoreVest Finance: Direct lender to residential real estate investors offering single-family rental and bridge loans, including DSCR products. Closely comparable to Constitution's DSCR rental loan offering and institutional capital structure (acquired by Redwood Trust).
- Groundfloor: Real estate marketplace lending platform that lets individual investors fund fix-and-flip loans. Comparable to Constitution's dual-sided investor-plus-borrower model and use of accredited/non-accredited investor capital.
- RCN Capital: Connecticut-based hard money and conventional lender serving real estate investors with fix-and-flip, rental, and bridge products. Strong geographic and product overlap with Constitution Lending.
- Anchor Loans: One of the largest fix-and-flip lenders in the U.S., providing short-term bridge financing to residential real estate investors. Comparable product focus, though meaningfully larger in origination volume.
Broad incumbents
- Fundrise: Large-scale real estate investing platform offering debt and equity products to individual investors. Broader and more diversified than Constitution, but operates in overlapping investor access and real estate debt categories.
- RealtyMogul: Online platform offering real estate debt and equity investments to accredited investors, including private lending products. Adjacent to Constitution's investor offerings, with a wider investment menu.
- CrowdStreet: Real estate investing platform for accredited investors with debt and equity offerings. Comparable in investor-targeting and real estate debt exposure, though primarily commercial rather than residential.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Constitution Lending social profiles
Digital presenceConstitution Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
Constitution Lending leadership team
Management profileNumber of profiles
Profiles3 records
Constitution Lending funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Constitution Lending M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Constitution Lending
What does Constitution Lending do?
Constitution Lending is a real estate lending platform that originates, purchases, and services short-term bridge and rental property loans for real estate investors. The company also operates a credit fund and issues real estate-backed notes that allow accredited investors to participate in first-lien debt positions on individual properties.
Is Constitution Lending a public or private company?
Constitution Lending is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Constitution Lending founded?
Constitution Lending was founded in 2018. It employs 11 to 50 people.
Where is Constitution Lending based?
Constitution Lending is headquartered in Westport, United States, in the North America region.
How does Constitution Lending make money?
Three revenue lines are on record. Loan Origination is the primary driver. The others are loan Purchasing and real Estate Credit Fund.
Who are Constitution Lending's main competitors?
Direct peers on record are Sharestates, Kiavi, Lima One Capital, CoreVest Finance, Groundfloor, RCN Capital and Anchor Loans. Broad incumbents are Fundrise, RealtyMogul and CrowdStreet.
Does Constitution Lending have an API?
No public API is recorded for Constitution Lending.
What industry is Constitution Lending in?
Constitution Lending's product category is Real Estate Lending. Its primary akta.pro industry code is FSAAAHAG, Private Credit / Direct Lending, with a secondary code of FSAKAHAG, Real Estate / Property-Backed Marketplace Lending (Non-mortgage). Its NAICS code is 522 and its SIC code is 6163.