U.S. Funding Solutions

What U.S. Funding Solutions does

U.S. Funding Solutions, Inc. is a privately held, owner-operated commercial lending and mortgage note buying firm headquartered in Mars Hill, North Carolina, founded in 1995 by Ron Stone. After pivoting away from conventional mortgage origination following the 2008 financial crisis, the company now specializes in short-term bridge financing for commercial and residential rental properties, hard money loans, commercial mortgage refinance, private mortgage note purchases, and specialty products including solar farm financing and business acquisition loans. The firm positions itself as an alternative to bank financing, explicitly targeting borrowers turned away by banks, those with credit challenges, and investors facing time-sensitive closings, balloon payments, or foreclosure risk. Loan sizes range from $200,000 to $15,000,000+ for bridge loans down to a $25,000 minimum for private mortgage note purchases, with interest rates of 8–14%, 2–5% closing points, interest-only payment options, and documented 5–7 day closing capability on its fast-closing commercial bridge product. The company services all 50 states, with dedicated landing pages for Florida, Texas, and South Carolina markets, and distributes primarily through phone-based inside sales available seven days a week, supplemented by an online quote request form and SEO-driven content marketing.

The business operates on three revenue streams: (1) origination/closing points of 2–5% on commercial bridge loans, (2) interest income on bridge loans at 8–14%, and (3) discounting spreads on purchased private mortgage notes, trust deeds, land contracts, and contracts for deed. The firm functions both as an originator sourcing from a network of private commercial lenders and as a direct principal buyer of mortgage notes. Customer segments are predominantly individual real estate investors, fix-and-flip operators, rental property owners, small-business acquirers, and private mortgage note holders — primarily SMBs and consumers rather than institutional borrowers. There is no proprietary technology platform, no disclosed AI/ML capabilities, no app, no API, and no institutional funding; the operation is fundamentally a relationship-driven, phone-and-website business running on the personal experience and network of its sole owner-operator. The most recent strategic activity has been product-line extension (bad-credit bridge loans, MCA consolidation, residential-as-collateral business loans, solar farm financing, business acquisition loans) rather than operational scaling or technology investment.

Name

U.S. Funding Solutions

Legal name

U.S. Funding Solutions, Inc.

Website

https://us-funding-solutions.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

U.S. Funding Solutions is a privately held, owner-operated commercial lender and mortgage note buyer based in Mars Hill, NC, founded in 1995. It provides short-term bridge loans, hard money loans, commercial mortgage refinance, private mortgage note purchases, solar farm financing, and business acquisition loans to real estate investors, property owners, and note sellers nationwide, with a focus on bank-rejected and credit-challenged borrowers.

Ownership category

akta.pro rank

Product category

Commercial Bridge Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

CRE Bridge & Transitional Lending (FSALADAC)

akta.pro secondary industries

Bridge & Short-Term Real Estate Loan Intermediation (FSAEAEAG), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH), Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

Keywords

• Commercial bridge loans
• Hard money lending
• Private mortgage notes
• Rental property financing
• Commercial mortgage refinance

Headquarters

HQ city

Mars Hill

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Loan Origination / Closing Points: The company earns revenue through closing points (2-5% on commercial bridge loans) charged at loan origination. Points and origination fees are built into the loan and paid at closing.
2. Interest Income on Bridge Loans: Interest income earned on short-term bridge loans, typically interest-only loans with rates of 8%-14% depending on loan type, structure, and risk profile. Solar farm loans may include long-term fixed-rate options.
3. Private Mortgage Note Discounting: The company purchases private mortgage notes at a discount (discount rate varies based on perceived risk and note terms). They buy residential and commercial notes, trust deeds, land contracts, and contract for deeds. Minimum purchase size is $25,000. Revenue comes from the spread between discounted purchase price and cash flow received over time. Closings typically occur within 2-3 weeks.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

U.S. Funding Solutions is a privately held, owner-operated lender and private mortgage note buyer that originates short-term commercial and rental property bridge loans (typically 1-5 years, $200K-$15M+, 8%-14% rates, interest-only options) and purchases private mortgage notes, trust deeds, land contracts, and contract for deeds at a discount. The company targets borrowers rejected by traditional banks, including those with bad credit or complex deal structures, and serves borrowers nationwide across all 50 states with emphasis on Florida, Texas, Tennessee, South Carolina, and North Carolina. Closings for commercial bridge loans are funded in as little as 5-7 days, business acquisition loans in under 30 days, and note purchases typically within 2-3 weeks.

Product overview

U.S. Funding Solutions is a commercial real estate and business lending platform offering a portfolio of short-term bridge loan products and private mortgage note services. The core offering consists of Commercial Bridge Loans and Hard Money Loans for equity-based commercial property acquisition and refinance, complemented by Commercial Mortgage Refinance for avoiding foreclosure or balloon payment situations. The company also operates Rental House Bridge Loans and Rental Property Bridge Loans for residential investors, with dedicated Fix and Flip Loans and Rehab Loans for renovation-focused strategies. Specialty products include Solar Farm Financing ($500K-$5M) and Business Acquisition Loans ($500K-$5M). Additionally, the Sell Private Mortgage service enables noteholders to convert mortgage payment streams into immediate cash. The portfolio spans both nationwide offerings and state-specific programs (Florida, Texas, South Carolina), with emphasis on fast closings (5-7 days), bad credit acceptance, and interest-only options.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Bridge Loans Short-term commercial property bridge loans (typically 1-3 years) providing financing for property acquisitions, rehabs, construction, refinancing of balloon payments, or foreclosure avoidance. For commercial real estate investors and property owners who need to bridge to longer-term financing or close on time-sensitive opportunities.
• Hard Money Loans Hard money commercial loans providing equity-based bridge financing for businesses until longer-term financing is secured, including construction and commercial rehab loans. For businesses and investors unable to qualify for conventional bank financing.
• Commercial Mortgage Refinance Commercial mortgage refinance solutions for property owners facing balloon payments, foreclosure, or bank turndowns, including construction loans, apartment rehabilitation, and mobile home park financing. For commercial property owners needing to refinance out of a distressed position or secure alternative financing.
• Rental Property Bridge Loans Short-term residential rental property bridge loans (1-3 year terms, interest-only, no minimum FICO, $200K-$5M, up to 70% LTV) providing financing until longer-term financing is secured. For residential rental property owners and small landlords acquiring or refinancing 1-4 unit rentals.
• Fix and Flip Loans Short-term financing for real estate investors to buy, renovate, and sell properties quickly, with rates as low as 9.49%, up to 92.5% LTC and 70% LTARV, 640 minimum FICO required. For fix-and-flip investors and rehab-focused buyers.
• Private Mortgage Note Purchasing Purchase of residential and commercial private mortgage notes, trust deeds, land contracts, and contract for deeds for lump-sum cash or partial income stream purchases. Discount rate varies based on equity, seasoning, interest rate, and borrower credit. Minimum purchase $25,000 with closings typically 2-3 weeks after documents received. For note holders seeking immediate liquidity.
• Solar Farm Financing Specialty commercial loan program for solar farm acquisition and development financing, $500,000 to $5,000,000, available in all 50 states with LTVs up to 85% or higher, long-term fixed-rate options, and no upfront application fees. Requires good (not necessarily perfect) credit and solid business background. For solar farm developers and renewable energy investors.
• Business Acquisition Loans Financing program for purchasing existing businesses, $500,000 to $5,000,000, nationwide availability, covering most business types with closing typically under 30 days after initial paperwork. For entrepreneurs and investors acquiring established businesses rather than starting from scratch.
• Rental Property Second Mortgages Second mortgage products using home equity loans or HELOCs for rental property owners to access cash without selling properties, offering lower interest rates than personal loans. For rental property owners seeking equity extraction while retaining their properties.
• Fast Closing Commercial Bridge Loans Expedited commercial bridge loans funding in 5-7 days with interest-only options, loan terms of 12-36 months, no minimum FICO requirements, and nationwide access with strong coverage in Florida, Texas, Tennessee, South Carolina, and North Carolina. For investors requiring time-sensitive closings.

Quantifiable outcome

• Fast closing times of 5-7 days for commercial bridge loans
• +4 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Kiavi (formerly LendingHome): Kiavi is a technology-enabled direct bridge and fix-and-flip lender for real estate investors. It is directly comparable to USFS because it offers short-term, asset-based loans to borrowers who cannot access bank financing, with similar product breadth across fix-and-flip, rental, and new construction.
• Lima One Capital: Lima One Capital is a direct specialty lender focused on single-family rental, bridge, and renovation loans for real estate investors. It is directly comparable to USFS because it targets the same turndown-borrower niche with fast closings, asset-based underwriting, and rental property bridge products.
• Patch of Land: Patch of Land is a direct bridge lender for real estate investors, offering short-term, asset-based loans for acquisition and rehab. It is directly comparable to USFS because it serves the same fix-and-flip and rental investor segment with similar underwriting flexibility.
• CoreVest Finance: CoreVest (acquired by Redwood Trust) is a direct bridge and rental portfolio lender to single-family and small multifamily investors. It is directly comparable to USFS because it provides similar short-term, asset-based financing to underserved real estate investors nationwide.
• Geneva Capital: Geneva Capital is a direct bridge and commercial real estate lender serving investors across the U.S. It is directly comparable to USFS because it provides similar short-term, asset-based commercial and multifamily bridge loans with nationwide reach.
• RCN Capital: RCN Capital is a direct specialty bridge and rental lender for real estate investors, offering similar loan sizes ($50K–$2.5M+) and fast closings. It is directly comparable to USFS because it competes head-to-head in the multi-state investor bridge loan market.
• PeerStreet: PeerStreet is a real estate bridge lending marketplace connecting investors to short-term loans. It is directly comparable to USFS because it operates in the same bridge loan / hard money category serving real estate investors unable to obtain bank financing.
• Velocity Bridge Capital: Velocity Bridge Capital is a direct bridge and hard money lender focused on fast closings for real estate investors nationwide. It is directly comparable to USFS because it offers similar products (bridge, fix-and-flip, rental) targeting the same investor segment with comparable speed and flexibility.

Broad incumbents

• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM and specialty mortgage lender offering a broader portfolio than USFS but overlapping meaningfully in non-bankable, alternative-credit borrowers. It is comparable as a broader incumbent operating in the same specialty / non-bank lending space.
• Arbor Realty Trust: Arbor Realty Trust is a publicly traded diversified CRE lender with multifamily bridge and mezzanine products. It is comparable as a broad incumbent in the same commercial bridge and transitional lending space, with a much larger balance sheet and product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/usfundingsolutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 U.S. Funding Solutions