Certainty of Execution & Speed

We fund based on your financial strengths not your weaknesses

A1Funder, LLC delivers high-leverage commercial mortgages, structured equity, and bridge capital solutions up to $550M+ customized around your property's cash flow strengths.

Apply For Funding Explore Programs

4.9 / 5

Institutional Trust Rating

A1Funder Commercial Real Estate Funding

30+ Years Experience

Experienced Underwriting Team

Fast Term Sheets

Letters of Intent within 48 Hours

Certainty of Close

Direct Access to Institutional Capital

Nationwide Coverage

All Major US Metropolitan Markets

0+

Years Underwriting Experience

Combined capital markets expertise navigating complex deals.

$0M+

Direct Capital Capacity

Substantial lending resources closed for premium property transactions.

100%

LTC Bridge Options

High-leverage acquisition programs structured for developers.

Direct Lenders in Your Corner

We Turn Complex Transaction Weaknesses into Funding Strengths

At A1Funder, LLC, we recognize that every commercial deal has unique characteristics. Traditional institutions reject valuable transactions due to rigid underwriting standards and short-term credit weaknesses.

Our underwriting model focuses entirely on your transaction's assets and financial strengths—such as strong local market demand, heavy developer equity, and property cash flows.

Highest leverage programs with lightning-fast processing speeds

Access to the lowest interest rates in the market

Strength-based evaluations overlooking minor developer credit marks

Program Notice: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

Tailored Capital Solutions

Commercial Financing Programs

We offer premium commercial mortgages, structured bridge equity, and institutional scale lines of credit structured around your assets.

CRE-01

Fix & Flip Financing

High-speed capital tailored for major renovations and property improvements.

Acquisition Capital: Up to 90% of Purchase Price.
Renovation Funding: Up to 100% of Construction Costs.
Maximum LTC: Up to 75-80% Loan-to-Cost.
Term Range: 12 to 24 Months (Interest Only).

Disclaimer: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

CRE-02

Multi-Family Financing

Competitive long-term structures for apartment complexes and mixed-use buildings.

Leverage Limit: Up to 80-85% Loan-to-Value (LTV).
DSCR Requirements: Low as 1.15x for cash-flowing assets.
Amortization: Up to 30 Years (Fixed options available).
Program Highlights: Non-recourse carve-outs with competitive spreads.

Disclaimer: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

CRE-03

Lot & Land Development

Capital solutions for horizontal site preparation, grading, and infrastructure installation.

Acquisition Leverage: Up to 65% of Land Value.
Infrastructure Funding: Up to 80% of Development Budget.
Flexible Draws: Monthly reimbursement schedules linked to inspects.
Collateral Options: Supported by first liens and sponsor guarantees.

Disclaimer: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

CRE-04

Mezzanine Financing

Subordinated debt structures designed to fill equity gaps for experienced sponsors.

Position Style: Subordinated to senior lender first mortgages.
Combined LTV: Up to 85-90% Total Debt Stack.
Minimum Size: Starting from $5,000,000.
Interest Style: Fixed coupon with optional cash-flow sweeps.

Disclaimer: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

EQ-01

Equity Program 1

High-leverage equity splits for institutional sponsors and high-cashflow deals.

A1Funder Equity Position: Up to 60-70% equity split.
Waterfall Structure:
- 8% preferred return on sponsor and capital contributions.
- 75/25 split until a 12% IRR is achieved.
- 50/50 split thereafter for residual profits.
Target Project Size: $2,000,000 to $20,000,000.

Disclaimer: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

EQ-02

Equity Program 2

Custom joint venture financing structures with rapid underwriting timelines.

A1Funder Equity Position: Up to 70-80% equity split.
Waterfall Structure:
- 9% preferred return to passive partners.
- 80/20 split until a 14% IRR is achieved.
- 60/40 split thereafter for experienced operators.
Min Sponsor Co-Invest: 10% of total equity required.

Disclaimer: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

EQ-03

Equity Program 3

Sponsor-favorable structures designed for off-market, high-growth real estate assets.

A1Funder Equity Position: Up to 80-90% equity split.
Waterfall Structure:
- 10% preferred return to primary investors.
- 90/10 split until a 15% IRR is achieved.
- 70/30 split thereafter to reward high performers.
Repayment Priority: Standard return of capital model applies.

Disclaimer: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

EQ-04

Equity Program 4 (Structured Bridge)

Structured bridge equity for rapid transactions, supported by strong asset backings.

Program Outline: High-leverage bridge equity structured to secure fast deals.
Security Structure: Backed by **2x collateral** (sponsor must pledge secondary real estate or liquid assets).
IRR Performance: Customized waterfalls based on underwriting.
Funding Speed: Closed in as fast as 7 business days.

Disclaimer: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

ST-05

Program 5 (Direct Debt Bridge)

High-leverage first mortgage debt placements from $1,000,000 to $500,000,000.

Capital Range: $1,000,000 to $500,000,000.
Funding Focus: Bridge loans, acquisitions, construction, and recapitalizations.
LTV Ceiling: Up to 80% LTV (Higher with mezzanine pairing).
Timeline: Accelerated underwriting with letters of intent issued within 48 hours.

Disclaimer: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

ST-06

Program 6 (Institutional Capital Placements)

Leveraging deep partnerships with top-tier institutional funding houses for complex debt stacks.

Capital Scope: Direct coordination with investment funds and banking syndicates.
Deal Profiles: Major development portfolios and structured equity placements.
Financing Capacity: Up to $550,000,000+ total facility sizes.
Execution Strategy: Fully managed syndication ensuring certainty of close.

Disclaimer: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

Market Differentiation

Why Real Estate Sponsors Choose A1Funder

We look beyond the balance sheet limits of standard commercial retail banks.

Underwriting Metric	Traditional Retail Banks	A1Funder, LLC Solutions
Lending Focus	Borrower credit weaknesses & low debt-to-income	Asset quality & transaction strengths
Funding Speed	60 to 90 Days (Minimum)	7 to 14 Days (Bridge & Equity)
Maximum LTV / LTC	60% - 65% LTV	Up to 80% - 90% (High-Leverage CRE)
Closing Certainty	Commitments can be cancelled at late underwriting stages	Guaranteed close once diligence is complete
Credit Score Issues	Instant rejection for minor historical marks	Mitigated by property cashflow & asset quality

Disclaimer: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

Efficient Execution

Our 4-Step Underwriting Process

From initial inquiry to capital deployment, we expedite closing through four clear stages.

01

Deal Submission

Submit your property details, sponsor profile, and transaction goals via our pre-qualifier estimator or form.

Day 1

*Subject to diligence & underwriting.*

02

Term Sheet Issued

Our direct underwriting specialists analyze property cash flows and issue a custom Letter of Intent within 48 hours.

Days 2-3

*Subject to change anytime.*

03

Due Diligence

We review third-party appraisals, environmental assessments, and location characteristics to finalize limits.

Days 4-10

*Subject to lender underwriting criteria.*

04

Loan Closing

Legal document compilation is completed, capital is wired directly, and property transactions close with certainty.

Days 10-14

*All Loan programs subject to location, etc.*

Execution Notice: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

Pre-Qualification Tools

Interactive Commercial Estimator

Use our mortgage estimator to model interest levels and payments. Drag the sliders to match your estimated property valuation and loan ratio.

Dynamic Interest Adjustments

Estimated interest levels adjust automatically based on LTV limits and total loan size.

Adjustable Amortization

Model standard 15, 20, 25, or 30-year schedules to match project cash flows.

Estimator Notice: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time. Calculations are estimates only.

Commercial Loan Estimator

Estimated Property Value ($)

$

Desired Loan-to-Value (LTV)

%

Amortization Period

Estimated Loan Amount: $1,050,000

Calculated Interest Rate: 6.25%

Estimated Monthly Payment: $6,923

Capital Markets Advisors

Meet Our Leadership Team

Connect with our dedicated underwriting specialists to package your deal.

James Souto

James Souto

Structured Equity Partner

702-338-0929

jsouto@a1funder.net

Disclaimer: All programs subject to due diligence- underwriting, location, etc.

Linda Riggi

Linda Riggi

Commercial Mortgage Director

702-338-0929

lriggi@a1funder.net

Disclaimer: All programs subject to due diligence- underwriting, location, etc.

Howard Rosen

Howard Rosen

Principal Underwriting Advisor

702-338-0929

hrosen@a1funder.net

Disclaimer: All programs subject to due diligence- underwriting, location, etc.

Advisor Program Disclaimer: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

Client Feedback

Underwriting Case Success Stories

See how our strength-based underwriting helped developers secure funding.

"Traditional banks rejected our mixed-use acquisition due to short-term vacancies. A1Funder looked at the strong equity we put down and the high local demand. They funded the full $3.4M in under 2 weeks. Highly recommended!"

Marcus Vance

Vance Holdings Group, NY

*Disclaimer: All Loan programs subject to Lender due diligence- underwriting, location, etc.*

"The speed of underwriting at A1Funder is incredible. We were facing a tight construction timeline and bank underwriting was dragging. A1Funder focused on our strong developer track record and got our $6.2M loan approved."

Dr. Elena Rostova

Apex Medical Developments, FL

*Disclaimer: All Loan programs subject to Lender due diligence- underwriting, location, etc.*

"Our corporate credit score had took a temporary hit during restructuring, but our multifamily building cashflow was stronger than ever. A1Funder funded our refinancing program focusing entirely on that strength."

David K. Chen

Chen & Sons Properties, CA

*Disclaimer: All Loan programs subject to Lender due diligence- underwriting, location, etc.*

Common Queries

Frequently Asked Questions

Understand how our direct capital funding processes operate.

We underwrite and fund commercial real estate acquisitions, repositionings, and refinancing across all major property classes including Multi-Family apartments, mixed-use assets, light industrial facilities, commercial land lots, medical suites, and retail centers.

All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

Traditional banks evaluate borrower personal credit ratings and liquid balance sheets as primary indicators. A1Funder evaluates the underlying commercial asset's strengths—such as current and potential cashflows, developer equity depth, location characteristics, and valuation margins. Minor personal credit marks are minimized.

All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

Equity Program 4 is a structured bridge equity placement engineered for fast closings. Because of the accelerated timeline, this high-leverage program requires 2x collateral support. Sponsors must pledge secondary commercial real estate assets or verified liquid investments as secondary backing.

All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

Once a complete transaction package (including project summary and basic financials) is submitted via our portal, our direct underwriter reviews the deal details and aims to issue a formal Letter of Intent (LOI) or term sheet within 24 to 48 business hours.

All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

Get In Touch

Ready to Fund Your Next Project?

Submit details regarding your commercial real estate deal, and our underwriters will initiate evaluation immediately.

Direct Line

702-338-0929

Underwriting Inbox

info@a1funder.net

Corporate HQ

Las Vegas, Nevada

Diligence Disclaimer: All Loan programs are subject to the Lender’s due diligence- underwriting, location, etc - Programs are subject to change any time.

Deal Pre-Submission Form

Contact Name *

Email Address *

Phone Number *

Requested Loan Amount ($) *

Desired Funding Program

Deal Strengths & Asset Description *