Bell Rock Finance is a direct private lender providing acquisition, renovation, and construction capital to experienced real estate operators across the Southwest and Southeast.
Common-sense underwriting, transparent terms, and a lender who answers the phone. We fund the deals institutional lenders pass on because we understand the asset.
Acquisition plus rehab capital for single-family and small multifamily flips. Asset-based underwriting, no income verification.
Bridge financing for value-add commercial and mixed-use acquisitions. Fast decisions, flexible structure.
Ground-up construction loans for infill and spec homes. Same-day draws, in-house inspection.
Short-term land and lot loans for entitled or near-entitled parcels. Interest-only structure.
A selection of projects Bell Rock Finance has financed across Tennessee and the Carolinas. Each represents a professional operator executing a clear business plan.
Submit a short application with basic deal information — purchase contract, scope of work, sponsor summary. No tax returns, no income verification.
Receive a written term sheet within 24 hours outlining loan structure, rate, leverage, and conditions to close.
After valuation and title clearance, close at the attorney's office with wired funds on the table. Most deals close in 7–10 business days.
We've been funding professional real estate operators for fifteen years. We've seen the cycles, closed through the hard ones, and we know what a real deal looks like.Bell Rock Finance · Mesa, Arizona
Most term sheets go out within 24 hours. Send us the basics and we'll let you know if it's a fit — no runaround.