Commercial Lending

What Commercial Lending does

Commercial Lending, LLC is a Virginia-based private direct (hard money) lender founded in 2016 that originates short-term residential real estate loans to real estate investors in Virginia, Maryland, and Washington DC. The company offers two core products: Fix and Flip loans for the purchase and rehabilitation of single-family residential properties, and Land & Construction loans for land acquisition and stick-built or modular home construction. Underwriting is positioned around the underlying property value rather than extensive borrower financial documentation, which the company frames as its main differentiator from banks and traditional mortgage lenders.

The business operates on a direct-to-consumer model, with named Account Executives (including Michelle Baxter, John A. Eubank, and Janet Lucas) handling borrower outreach via phone and email, supported by a WordPress website (commerciallendingllc.com) that exposes structured forms for loan submissions, draw requests, payoff requests, wire transfers, and loan extensions. Revenue is generated via transaction fees and interest income on originated loans — pricing is quote-based and tailored to each deal, with no publicly disclosed rate sheets or tiered pricing. No proprietary lending platform, AI/ML tooling, or technology stack is disclosed; the operating model leans on manual underwriting and personal relationships.

The firm is structured as a Virginia LLC headquartered at 7603 Maple Branch Rd, Clifton, VA, with no parent company, subsidiaries, institutional investors, or external funding rounds disclosed. Its distribution is anchored by a network of title and settlement partners (Champion Title, Atlantic Title, RGS Title, Northstar Settlements, Caplan Law Group, Shaffer Title, True North Title) that enable loan closings across multiple sub-markets, including the Tidewater area of Virginia. Customer concentration is in residential real estate investors (both experienced and new flippers) and small-scale residential developers, and no marquee customer logos, loan volume figures, or revenue data are publicly available.

Name

Commercial Lending

Legal name

Commercial Lending, LLC

Website

https://commerciallendingllc.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Commercial Lending, LLC is a Virginia-based private direct lender offering fix-and-flip and land/construction loans to residential real estate investors in Virginia, Maryland, and Washington DC, originating through named Account Executives without disclosed institutional backing.

Ownership category

akta.pro rank

Product category

Private Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

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

akta.pro primary industry

SME Commercial Real Estate (CRE) Lending (FSABABAG)

akta.pro secondary industries

Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• Fix and flip loans
• Private mortgage lending
• Construction financing
• Real estate lending
• Short-term financing

Headquarters

HQ city

Clifton

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. Loan Origination and Interest Income: Revenue generated through short-term fix-and-flip loans and construction loans for residential real estate investors. The company operates as a private direct lender providing acquisition, renovation, and closing cost financing, earning interest and origination fees on completed loan transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Commercial Lending, LLC is a private direct lender providing short-term financing to single-family residential real estate investors in Virginia, Maryland, and Washington DC. The company originates fix and flip loans for property acquisition and rehabilitation, as well as land acquisition and construction loans (including stick-built and modular homes). Underwriting is based primarily on the value of the property being financed rather than extensive borrower financial documentation.

Product overview

Commercial Lending, LLC operates as a private direct lender offering two core loan products: Fix and Flip Loans (short-term financing for residential acquisition and rehabilitation) and Land & Construction Loans (for land acquisition and new construction). The company primarily serves real estate investors in Virginia, Maryland, and Washington DC. Their loan products are designed to minimize paperwork by basing underwriting on property value rather than extensive borrower financial information.

Differentiator

Problem solved

Functional benefit

Products and services

• Fix and Flip Loans Short-term financing for single-family residential real estate investors purchasing and rehabilitating properties for resale (fix and flip). Underwriting is based primarily on the property being purchased, reducing paperwork and personal financial information requirements compared to traditional lenders.
• Land & Construction Loans Financing for land acquisition, construction, and closing costs for small single-family residential construction projects, including stick-built or modular homes. Designed to streamline the construction loan process so borrowers can begin construction on their schedule.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Title Companies (Champion Title, Atlantic Title, RGS Title, Northstar Settlements, Caplan Law Group, Shaffer Title, True North Title)minorOthersSettlement and title services partners used for loan closings. These are vendor relationships rather than strategic partnerships. The company works with multiple title companies across Virginia, Maryland, and DC for property title searches and settlement services during loan closings.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• Lima One Capital: National private direct lender offering fix-and-flip, new construction, and rental loans to residential real estate investors — directly comparable product set and business model to Commercial Lending.
• Kiavi: Tech-enabled private lender providing bridge and renovation financing to residential real estate investors nationwide — same fix-and-flip customer base with a more digitized origination experience.
• Visio Lending: Private lender offering rental portfolio and bridge loans to residential real estate investors; comparable target customer and direct-lending approach.
• CoreVest Finance: Private lender to residential real estate investors offering bridge, construction, and rental financing — comparable direct-lending model targeting the same investor segment.
• Roc Capital: National private direct lender providing fix-and-flip, new construction, and rental loans to residential investors — directly comparable product mix and target segment.
• Anchor Loans: Direct private lender specializing in fix-and-flip and ground-up construction financing for real estate investors — overlapping products and borrower segment.

Emerging players

• Groundfloor: Real estate lending platform offering short-term fix-and-flip financing to individual investors — partial overlap with Commercial Lending's product set, focused on a tech-enabled, fractional model.
• PeerStreet: Online private real estate lending marketplace connecting investors with short-term debt financing — adjacent business model targeting the same residential investor borrower.

Broad incumbents

• A&D Mortgage: National wholesale and retail mortgage lender with non-QM and investor-focused products that overlap with Commercial Lending's residential investor borrower base.
• NewRez (formerly Shellpoint Mortgage Servicing / New Penn Financial): Large national mortgage lender that also offers non-QM and investor products; competes broadly with Commercial Lending for residential investor financing at much greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Commercial Lending