Rehab Financial Group

What Rehab Financial Group does

Rehab Financial Group, LP is a privately held hard money lender founded in 2009 by Susan Naftulin and Jeffrey Goldberg, headquartered in Rosemont, Pennsylvania. The company provides short-term bridge financing to real estate investors across 18 states, having funded over $400 million in loans across thousands of fix-and-flip, ground-up construction, multi-family, and rental property projects. RFG's flagship 100% Fix & Flip Premier Loan offers up to 100% financing for both purchase and rehab costs (up to 75% of ARV) with no income verification, same-day approvals, and closings in as few as 5-10 business days — a product structure the company launched in 2009 and which remains its primary differentiator in a fragmented hard money lending market.

Name

Rehab Financial Group

Legal name

Rehab Financial Group, LP

Website

https://rehabfinancial.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Rehab Financial Group is a privately held hard money lender providing short-term bridge financing to real estate investors across 18 states, offering up to 100% purchase-and-rehab loans for fix-and-flip, ground-up construction, multi-family, and rental property projects.

Ownership category

akta.pro rank

Product category

Private Hard Money Lending

SIC

Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Fix-and-Flip / Investor Rehab Financing (FSALAHAH)

akta.pro secondary industries

Rehab-to-Rent / Fix-and-Rent Financing (FSALAHAG), CRE Bridge & Transitional Lending (FSALADAC)

Keywords

• Hard money lending
• Real estate bridge loans
• Fix and flip financing
• Rehab loan products
• Private money lender

Headquarters

HQ city

Villanova

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Bridge Loans: RFG earns interest on short-term bridge loans (typically 9-12 months) used for fix-and-flip and construction projects. Interest rates range from 9.99% and above, with monthly interest-only payments during the loan term.
2. Loan Points and Origination Fees: Points (origination fees) are charged at closing, typically 2-3% of the total loan amount. Points are paid at closing along with other closing costs.
3. Extension Fees: RFG charges extension fees for borrowers who need additional time beyond the standard loan term. For 100% Fix & Flip loans, a 3-month extension is available for 1% fee. Ground Up Construction allows two 3-month extensions for 2% fee per 3 months.
4. Wire Transfer Fees: A $30 fee per draw is charged for wire transfer disbursements.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Rehab Financial Group is a private hard money lender that provides short-term bridge loans and rehabilitation financing to real estate investors across 18 U.S. states. The company funds purchase and rehab costs (up to 100% of project costs for its flagship Fix & Flip product) using its own capital, with in-house underwriting, same-day approvals, and closings typically within 5-10 business days. Complementary loan products cover ground-up construction, 5-10 unit multi-family properties, and long-term DSCR rental financing.

Product overview

Rehab Financial Group is a private hard money lender offering a portfolio of fix-and-flip and rental investment loan products. The core offering is the 100% Fix & Flip Premier Loan, which provides 100% financing for both purchase and rehab costs. This flagship product is complemented by Ground Up Construction Loans for new builds, Multi-family Properties Loans for 5-10 unit buildings, and 30-Year Rental Property DSCR Loans for long-term hold strategies. The company also offers a Stated Income Loan variant for experienced investors. Supporting the loan products, RFG provides a suite of free tools including a House Flipping Calculator, Business Plan Template, and Learning Center with educational resources. For industry partners, RFG operates a Broker Referral Program enabling mortgage professionals to earn compensation on referred deals. The company also provides Proof of Funds Letters to help investors strengthen their bids on properties.

Differentiator

Problem solved

Functional benefit

Products and services

• 100% Fix & Flip Premier Loan Flagship short-term hard money loan providing up to 100% financing for both purchase price and rehab costs (up to 75% of ARV), with no down payment and no income verification for real estate investors with a 650+ FICO score. 9-month interest-only term with optional 3-month extension, rates from 9.99% and points from 2%. Includes a streamlined draw release system for rehab funds.
• Ground Up Construction Loans Construction financing for investors building 1-4 unit non-owner occupied residential properties from the ground up, with up to 70% of As Completed Value (ACV) and a 90% LTC cap. 12-month term with two 3-month extensions (2% fee per 3 months), and interest-as-drawn (IAD) payment structure for the first 6 months to align with construction milestones.
• Multi-family Properties Loan Hard money loans for purchase, rehab, or refinance of 5-10 unit multi-family properties. Requires FICO of 700+ and minimum 1.20 DSCR, with 85% purchase financing, 100% rehab budget financing, and up to 65% of ARV. 9-month term with 3-month extension. Loan size structured around deal value and improvement plan.
• 30-Year Rental Property Loan (DSCR) Long-term Debt Service Coverage Ratio (DSCR) loans offered through a partner for non-owner-occupied rental investment properties, available as take-out financing from RFG bridge loans. 30-year fixed, 5/1 ARM, or 10-year interest-only options, up to 80% LTV, with FICO as low as 640.
• Proof of Funds Letter Standalone pre-approval letter service providing real estate investors with documented proof of loan qualification to strengthen bids and negotiate with sellers on properties.

Quantifiable outcome

• Over $400M in loans funded to date
• +3 more outcomes

Named customers12 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered supporting, minor and core.

• 30-Year Rental Loan PartnersupportingStrategic or Co-development PartnerRFG partners with a lender to offer 30-year fixed DSCR (Debt Service Coverage Ratio) loans for investors looking to refinance short-term bridge loans into long-term rental financing. This partner provides take-out financing for RFG clients who want to hold properties long-term.
• Liquid LogicssupportingTechnology or IntegrationThird-party broker portal platform used for deal submission, real-time deal status monitoring, and partner login. RFG uses Liquid Logics to streamline the broker referral experience.
• American Association of Private Lenders (AAPL)minorOthersIndustry trade association for private lenders. RFG President Susan Naftulin serves on the Ethics Advisory Committee. RFG displays AAPL member badge on website, indicating industry standing and commitment to professional standards.
• Real Estate Broker and Agent PartnerscoreChannel Partner/ Reseller/ DistributorLicensed real estate brokers and agents who refer investor clients to RFG for rehab financing. Partners receive referral compensation (points remittance or fees on HUD) and dedicated client support throughout deal process.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Groundfloor: Groundfloor is a real estate crowdfunding platform that originates fix-and-flip loans funded by individual investors. Comparable to RFG on fix-and-flip product and target borrower, with a unique crowdfunded capital structure rather than balance-sheet lending.

Direct peers

• Kiavi (formerly LendingHome): Kiavi is a technology-enabled direct lender to real estate investors offering bridge fix-and-flip loans and rental loans. Operates nationally with institutional capital; comparable to RFG on target customer and product type but with significantly broader geographic coverage and scale.
• Anchor Loans: Anchor Loans is a direct hard money lender to residential real estate investors, historically focused on California but expanding nationally. Competes head-to-head with RFG on fix-and-flip bridge loans for experienced investors.
• Genesis Capital (private lender): Genesis Capital is a private hard money lender providing bridge financing for residential fix-and-flip and new construction investors. Directly comparable to RFG's core fix-and-flip and ground-up construction product offerings.
• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions originates non-QM and DSCR loans for real estate investors and self-employed borrowers. Comparable to RFG on the rental/DSCR side of the business, with broader product mix and institutional funding.
• Lima One Capital: Lima One Capital is one of the largest direct hard money lenders in the U.S. fix-and-flip and rental (DSCR) space, originating bridge and long-term rental loans to real estate investors nationwide. Highly comparable to RFG on core product, customer (real estate investors), and speed-of-execution value proposition, but at materially greater scale.
• CoreVest Finance: CoreVest (a Redfin company) is a direct lender to residential real estate investors offering fix-and-flip bridge loans and rental portfolio (DSCR) loans. Overlaps with RFG on both bridge and take-out rental products, with a larger institutional balance sheet funded through warehouse lines.
• Patch of Land: Patch of Land is an online private real estate lending marketplace originating fix-and-flip and rental loans to investors. Similar target customer (real estate investors) and similar product set (bridge and rental financing), differentiated by a crowdfunding funding model.

Broad incumbents

• Broadmark Realty Capital: Broadmark was a publicly traded hard money REIT that originated and serviced short-term bridge loans to real estate investors across the U.S. Directly overlapping with RFG on fix-and-flip and construction lending, but at significantly larger institutional scale.
• A&D Mortgage: A&D Mortgage is a wholesale and retail mortgage lender offering non-QM, DSCR, and fix-and-flip products. Comparable to RFG on investor loan products but with a much broader product portfolio including agency-eligible products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/RehabFinancialGroup
• LinkedInlinkedin.com/company/rehab-financial-group-lp
• Instagraminstagram.com/rehab_financial
• Xx.com/rehabfinancial

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Rehab Financial Group