Clark St Lending · for operators
Get your Connecticut flip funded by an operator who has done it 75+ times.
Clark St Lending funds CT single-family and 2-4 unit value-add and flips. Up to $2 million, closed in under 30 days. Your funding partner is a flipper, not a loan officer who has never walked a job site.
Banks stall or pass on a sub-four-unit value-add deal. Commercial lenders take weeks you do not have. When a draw runs late, your rehab stops and your carrying costs keep running. We built this to fix that.
Submit your deal →What we actually fund
What it costs, and how we set it
Here is what the money costs. No games.
Most lenders hide the rate until you are three steps in. Our team? Never. 12 months interest-only. The rate runs 10% to 15% with 3 pts at closing. Where you land in that range depends on your experience, financial situation and the overall project risk.
- Your experience as an operator.
- Your financial strength.
- Your background and track record.
- The risk in the specific project.
New Flippers and Operators start at the higher end of the range. As you close deals with us, the rate comes down. We want to serve you long term, not just for one deal.
One rough month on a rehab shouldn't put you behind on payments. We hold six months of interest, in reserve. It keeps a project curveball from becoming a real problem.
If a project runs into trouble, the first move is to work it out with you. Be straight early and we help you get back on track. Communication and transparency will always help us to help you succeed.
Is your deal a fit?
Here is exactly what we fund right now.
- Connecticut. Single-family and 2-4 unit.
- Value-add and flips.
- Experienced flippers and operators with a track record. Built for people who have done deals.
- 660 minimum credit score.
We recommend keeping operating cash reserves. We do not require them, but the operators who move fastest and sleep best are the ones with a cushion for the unexpected.
Single family and 2-4 unit value-add projects, up to $2 million in Connecticut. Ground-up construction and 5-plus-unit programs coming soon.
Close but not a perfect fit? Submit it anyway. Our team reviews every deal and gives it to you straight.
Why us, not a bank
A bank does not understand your deal. We've stood where you're standing.
We've closed dozens of flips and BRRRs in Connecticut, Vermont and Rhode Island. We know a good project when we see one. You're not explaining your business to a loan officer who's never walked a job site.
We look at your deal immediately. You hear back inside one business day, most of the time the same day. Draws turn in 24 hours or less, because we know exactly what a stalled rehab costs, we've paid for it. We make money when you win and come back with the next deal, not when your draw gets delayed in bureaucracy.
Straight answers before you submit
Questions we get, answered plainly.
Nope. The rate depends on your financial situation, experience and the specific deal. We hold six months of interest in reserve so a rough month doesn't sink you and if a project runs into trouble the first move is always to work it out with you.
Found a deal?
Found a deal? Let's get it closed.
CT single-family and 2-4 unit, value-add and flips, up to $2 million, closed in under 30 days. Bring me your deal: we close in 30 days and turn construction draws in 24 hours, so your rehab never waits on the money.
Submit your deal →