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 do not understand a sub-four-unit value-add deal, so they stall or pass. 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.
Two minutes. No credit pull. Ed reads every one.
What we actually fund
These are not best-case numbers. This is the deal we do.
Here is what the money costs, and how we set it.
Most lenders hide the rate until you are three steps in. We do not. You get 12 months of interest-only, then 3 points. The rate runs 10% to 15%, and where you land is not random.
- Your experience as an operator.
- Your financial strength.
- Your background and track record.
- The risk in the specific project.
Operators we are just starting with sit at the higher end. As you close deals with us and prove out, the rate comes down. That is the whole logic. No games.
We hold six months of interest in reserve, built into the loan. It is there so one rough month on a rehab does not put you behind on payments. It keeps a slow stretch from turning into a real problem.
If a project runs into trouble, the first move is always to work it out with you. We would rather fix the problem than take over your deal. Be straight with us early and we will help you get the job back on track. That said, we are not casual about it. A payment 30 days late puts the loan in default on day 31. We are a partner when you communicate, not a lender you can go quiet on.
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 operators with a real track record. This is built for people who have done deals, not first-timers.
- 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 who have a cushion for the unexpected.
What we do not fund yet: ground-up construction and 5-plus-unit deals. Those come later. Right now the lane is CT 1-4 unit value-add and flips, up to $2 million.
Close but not a perfect fit? Submit it anyway. Ed reads every deal and will give it to you straight.
A bank does not understand your deal. We have stood where you are standing.
You found the deal. Now you need money that moves. Here is the difference between us and a bank.
I am a flipper. I have closed 75+ of these in Connecticut and Rhode Island, so I know what a real flip budget looks like and what a fantasy one looks like. That makes the conversation faster and straighter. You are not explaining your business to a loan officer who has never walked a job site.
I look at your deal myself. You hear back inside one business day, most of the time the same day. Draws turn in 24 hours or less, because I know exactly what a stalled rehab costs, I have paid for it.
And the incentive is aligned. I make money when you win and come back with the next deal, not when your draw runs late. Banks pass on these because they do not get them. That is the exact deal I built this to fund.
Straight answers before you submit
Found a deal? Let’s get it closed.
Connecticut single-family and 2-4 unit, value-add and flips, up to $2 million, closed in under 30 days. Bring me your deal and here is the commitment: we close in 30 days and turn construction draws in 24 hours, so your rehab never waits on the money.
Two minutes. No credit pull. Ed reads every one.