We are an investment real estate lender focused on making real estate investing faster, simpler, and more transparent. Through our streamlined process, we connect borrowers and brokers with our network of capital partners ready to fund qualified deals. SERPT brings efficiency and flexibility to the private lending space.

Starting the process is simple. Complete our online loan application and a member of our underwriting team will review your request. Most proposals are returned within 24 hours, and we typically close approved deals in 7–10 business days.

We fund loans ranging from $100,000 to over $5 million, depending on the property’s value and overall structure of the deal. SERPT typically lends up to 50% of a property’s value (LTV) or better, ensuring every loan is secured by strong equity and supported by a clear exit strategy.

We specialize in a wide range of real estate investment loans, including: • Bridge Loans (for purchase or refinance) • Rehab and Construction Loans • Commercial and Mixed-Use Properties • Single and Multi-Family Investment Properties

LTV measures the ratio between the loan amount and the total value of the collateral. It’s how we evaluate equity strength and manage risk. We typically lend up to 50% LTV, focusing on strong equity positions and clear exit strategies. Each deal is reviewed as a whole to find the best possible structure for both borrower and lender. Example: If a property is worth $1,000,000, a 50% LTV allows a loan of up to $500,000. If a borrower needs more than that amount, additional properties or collateral may be required to keep the LTV within guidelines.

Yes. We fund investment properties in multiple states throughout the U.S., with a primary focus along the Eastern United States. Additional collateral may be required depending on jurisdiction and deal structure.

Unlike traditional lenders, we don’t rely solely on credit scores or rigid guidelines. Our process is fast, flexible, and asset-based, meaning our loan decisions are driven by property value and potential, not just paperwork. We can move quickly when banks can’t.

Our average closing time is 7–10 business days, depending on the complexity of the deal and the borrower’s responsiveness. We pride ourselves on clear communication and efficient underwriting to keep your project moving forward.

Loans are funded through our exclusive network of private capital partners, which includes high-net-worth individuals, hedge funds, family offices, and other institutional investors. This diversity allows us to structure funding that fits each borrower’s unique needs.

Yes, we welcome both. We frequently partner with experienced brokers and real estate investors. Whether you’re representing a client or borrowing directly, our team ensures a smooth and transparent process from submission to closing.