Welcome to Financial Freedom
Greenwood And Archer Lending | Private Lenders For Real Estate
At Greenwood & Archer, we’re committed to providing exceptional service and personalized financial solutions for real estate investors. Our team stands ready to assist you throughout your next investment project. Got questions? We have answers tailored to your specific needs.
Fix & Flip
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Dscr
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Ground up construction
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pORTFOLIO
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Bridge
Private lending runs in our DNA. Our founders started as real estate investors themselves, facing the same financing frustrations you encounter today. This firsthand experience shaped our entire approach.
We’ve funded millions in real estate loans throughout the United States. Our team combines deep industry knowledge with genuine enthusiasm for helping investors succeed. This isn’t just business—it’s our passion.
About Us
Our Values
Integrity forms our foundation. Every deal comes with complete transparency about terms, fees, and processes. No surprises ever.
We believe in empowerment through education. Our clients receive more than money—they gain knowledge and confidence for future ventures.
Our commitment to community impact drives us to fund projects that revitalize neighborhoods and create housing opportunities. When communities thrive, everyone wins.
Innovation keeps us searching for better financing solutions. The lending landscape changes constantly. We stay ahead of these shifts.
Meaningful collaboration with our clients creates lasting partnerships. Your success determines our success. This alignment matters enormously.


About Us
Our Beliefs
We champion freedom through real estate investing. Property ownership creates wealth and independence like few other vehicles can.
Education unlocks potential. We regularly host investor workshops and provide resources to sharpen your investment strategy.
Entrepreneurship drives economic growth and personal fulfillment. We proudly support those brave enough to venture into property investment.
Our social responsibility extends beyond profit. We allocate resources to community development initiatives and affordable housing efforts.
Opportunity should reach everyone. Our programs specifically support first-time investors and those from underserved communities entering real estate investing.
Trusted Money Lender
Why Choose Greenwood And Archer as Your Private Money Lenders?
Our company provides tailored private lending solutions with speed and flexibility, prioritizing your unique project needs. Choose us for direct access to capital and a streamlined process, designed for efficiency and your success.
Capital When You Need It
Traditional banks often slam doors shut. We open them wide with private money loans designed specifically for ambitious investment properties. Money shouldn’t block your path to success.
Higher Returns Through Maximized LTV
Our financing packages offer superior loan to value ratios compared to conventional loans. This means more purchasing power for your investment dollar. Smart investors leverage this advantage regularly.
Higher Returns Through Maximized LTV
Banks obsess over your personal finances. We focus on what truly counts – your property’s potential. No debt service coverage ratio hurdles or intrusive income verification processes stand in your way.
Higher Returns Through Maximized LTV
Time kills deals in real estate. Our streamlined loan approval process eliminates unnecessary obstacles found with traditional financing. Many investors close within days, not weeks or months.
Get Approved Today!
Fix and Flip Loans
Stabilized Bridge Loan
DSCR Loan
Ground Up Construction Loans
Rental Portfolio Loans
Why Choose Greenwood And Archer as Your Private Money Lenders?
Expert Guidance
Navigating real estate financing shouldn’t feel like walking through a maze blindfolded. Our team brings decades of combined experience to your corner. They’ve structured deals across every property type imaginable.
Most investors come to us after hitting walls with traditional lenders. We show them financing pathways they never knew existed. This expertise often translates into tangible cost savings and smoother transactions.


Tailored Solutions
Cookie-cutter loan terms fail to serve unique investment scenarios. Your strategy deserves financing built specifically around your goals. Our approach begins with understanding your specific situation:
- Purchase timeline requirements
- Renovation scope and budget
- Exit strategy preferences
- Cash flow objectives
- Future portfolio expansion plans
This customization extends to interest rates, loan approval process, and prepayment penalty structures. No two deals look identical because no two investors share the same path.
FAQ'S
Frequently Asked Questions
Private lending focuses on the property’s potential rather than your financial history. The approval process moves significantly faster than with banks or credit unions.
Our loans evaluate the deal itself—not just your personal credit. This property-first approach means:
- Faster approvals (days vs. weeks)
- Fewer documentation requirements
- More flexible terms
- Higher loan to value options
Different loan types have different requirements. Our fix and flip programs typically need scores above 650. DSCR loan programs may accept scores as low as 620.
The property’s value and potential often matter more than credit scores. Strong deals with solid cash flow potential receive priority consideration regardless of personal finances.
The debt service coverage ratio measures a property’s ability to pay its debt obligations. We calculate this by dividing gross rental income by total monthly loan payments plus operating expenses.
A DSCR of 1.25 or higher typically qualifies. This means the property generates 25% more income than needed for all expenses. Lower capital expenditure reserves may be required for newer properties.
Most flips finance for 6-12 months with interest-only options during renovation. Loan to value ratio typically reaches 75-85% of purchase plus 100% of renovation costs.
Interest rates generally range from 8-12% depending on project complexity. We require detailed scope-of-work documentation but offer draw schedules aligned with project milestones.
Most short-term loans like fix and flips have no prepayment penalty. Longer-term financing such as rental loans might include minimal prepayment fees during the first 1-3 years.
We structure these penalties to decrease over time. Early payoff calculations appear clearly in all loan documents. Our goal: transparency regarding all potential upfront costs.
Your Next Investment Starts Here
Ready to secure funding that actually fits your investment approach? Our private lending team stands prepared to help.