Fix-and-Flip & BRRRR Loans, Funded in 10 Days.

Private real estate lending in Kentucky, Ohio, Georgia, and Alabama. Built by investors with 2,000+ completed deals.

No credit pull · No commitment · Instant decision

AAPL Member

AN. ASSOC. PRIVATE LENDERS

Lexington, KY HQ

OPERATOR-RUN, NOT A FUND DESK

The Numbers

Loan Terms That Move Fast.

Published terms, not negotiated case by case. Size up your deal in about a minute.

13%

Annualized rate on the loan. Same number we publish to every borrower.

Up to 90%

Loan-to-cost on purchase and 100% LTC on rehab. Subject to ARV cap.

Up to 75%

Loan-to-ARV. The hard ceiling on the deal, regardless of LTC.

48 hrs

To a term sheet from a complete pre-qualifier.

10-14 days

From complete file to wire. Typical close, not best-case marketing.

$0

Prepayment penalty. Refi or sell whenever the deal’s ready.

Final terms are deal-dependent: market, asset type, scope, borrower track record, and exit strategy all factor into the underwriting decision. The numbers above are our published bracket, the deal-level term sheet lands in 48 hours.

THE PATH

From Pre-Qual to Wire in 10 Days.

Five steps. Day zero starts when you click. The clock isn’t waiting on us.

DAY 0
Pre-Qualify

10 questions, 90 seconds. No credit pull. Instant decision on whether your file fits.

DAY 1
Full Application

Submit the full application in Lendr. ID, bank statements, entity docs, property details.

DAYS 1-3
Term Sheet

We draft and send a deal-specific term sheet. Sign to lock terms while UW completes.

DAYS 3-10
UW + Title

In-house underwriting. Title and insurance ordered in parallel. You upload, we move.

why us

Why Real Estate Investors Choose Evergreen.

Three things you won’t get from a bank, a broker, or the guy you met at a meetup.

In-house underwriting.

Every file is reviewed by the people who decide. No broker layer. No outsourced UW. You get a straight answer from the person who can say yes.

Terms locked in 48 hours.

Once your application is complete, a deal-specific term sheet lands in two business days. You can sign and start moving title before underwriting finishes.

Direct line to your loan officer.

Cell number on file. Same person from pre-qual to close. No queue. If you call, we pick up.

the fast lane

Pre-Qualify in 60 Seconds.

10 quick questions. instant decision. No credit pull

the box

What We Lend On.

Knowing the box up front saves everyone a phone call. Here’s exactly where we play.

We lend on

  • Fix-and-flip projects 1-4 unit residential

  • BRRRR – buy, rehab, rent, refinance

  • Light-rehab rental acquisitions

  • Wholetail and value-add light cosmetic

  • Single-family, 2-4 family, townhouse, condo

  • Investment property held in an entity

  • Experienced operators with a track record

We don’t lend on

  • Primary residences or owner-occupied

  • Ground-up new construction

  • Heavy commercial – office, retail, industrial

  • Properties in a flood plain

  • Deals outside KY, OH, GA, AL

  • Loans under $75K or over $1M

  • First-ever investment with no co-borrower experience

where we lend

Markets We Serve.

Five metros where our operators have bought or sold something nearby. If your deal’s in one of these, you’re talking to a local.

Lexington

Home base. Fayette, Jessamine, Scott, Madison counties.

Louisville

Jefferson, Bullitt, Oldham, Shelby. Urban core + suburbs.

Cincinnati

Largest flipping market. Hamilton, Butler, Warren counties.

Columbus

Muscogee, GA and Russell County, AL. Military-base demand.

Montgomery

Montgomery, Elmore, Autauga. State capital + growing inventory.

QUESTIONS

Frequently Asked Questions.

10 to 14 business days from a complete application is typical. The clock starts when you submit and your upload checklist clears. Title and inspection delays on the property side can push it. Lender-side, we move in days, not weeks.

Yes, an appraisal is required as part of the loan process. However, our process is designed to move quickly, so you can still get your project funded faster than with a traditional bank.

We look at credit but we’re not a credit-score lender. Track record, liquidity, and the deal itself matter more. The pre-qualifier is a soft pull only, no hit to your score.

Yes. All Evergreen loans are business-purpose, made to an entity (LLC, S-corp, etc.) for non-owner-occupied investment property. If you don’t have one yet, we can guide you through setting one up before close.

Your cash to close depends on the gap between our loan and your total project cost. We lend up to 75% of the after repair value (ARV) of the property, and we fund your rehab through construction draws. Your cash to close usually covers the difference between our loan amount and your purchase price, plus closing costs and our 2 point origination fee. Because we lend against ARV rather than purchase price, strong deals often need less cash than borrowers expect. Send us the deal and we will show you the numbers before you commit.

No. Evergreen charges no prepayment penalty. When your project sells or refinances, you pay off the loan and you are done. There is no penalty for paying early and no fee for closing the loan ahead of the 6-month term, so a fast flip keeps more of your profit in your pocket.

You complete the work, request a draw, and we reimburse you. We run draws through SiteWire, so you submit your request with photos online and funds release once the completed work is verified. Every draw is a flat $150 fee, with no tiered pricing or surprise charges. The process is built to keep your rehab moving and make the draw process simple and predictable.

Yes. You do not need a prior loan with us to qualify. We lend to experienced real estate investors, so we want to see at least one fix and flip you have already completed, no matter who funded it. If you have bought, renovated, and sold or refinanced a property, you meet our experience requirement. We do not lend to first-time investors, but where your past financing came from does not matter to us. Send us your track record and your next deal, and we will quote it.