Many sellers and listing agents find comfort that you have been pre-approved as a qualified buyer. Our automated Pre-Approval allows you to self-qualify by completing a online form (takes < 1 minute) letting us know your FICO, Experience Level, and Liquidity.
You receive a pre-approval letter in your inbox instantly.
Get instant clarity on your deal. Our platform gives you real-time access to loan terms without needing to complete a full loan application. No pressure, and no need to speak with a loan officer.
Just clear numbers, upfront. Want to speak to a financing expert? We are available via phone or text.
Our platform puts you in control. Move through the application process on your schedule, without unnecessary back-and-forth. It’s designed to help you move faster and make the most of your time.
Plus, our integrated draw process keeps everything organized and supports fast construction draws.
As a repeat client, your next loan requires very limited documentation, typically just a bank statement, the purchase contract and detailed budget. Our team knows your preferred title and insurance agent and gets your next loan done on auto-pilot.
Many investors move straight into their next deal, relying on Swell as a trusted capital partner to help grow their portfolio.
Our new constructionloans offer high leverage—up to 90% of total project cost (LTTC). The total project cost equals:
Purchase Price + Hard & Soft Construction Costs + Interest Reserve.
Our financing solutions cater to a wide range of new construction projects, from single-family homes to multi-unit developments, focusing on maximizing your investment's potential.
A wide range of properties, including single-family homes, condos, 2-4 unit properties, PUDs, and more. We also provide loans on 5+ unit apartments - more info is available on our multifamily page.
Permit-ready means your construction project has full approval from the municipality for all necessary documents, and a permit will be issued upon paying the fee, which can be included in your loan proceeds at closing. This ensures a smoother start to your construction project.
With flexible terms, including single or dual closes and interest-only options, Swell's loans are tailored to streamline your project's financial needs, from ground-up construction to tenant move-in, to permanent refinance.
Yes. We typically only provide loans when a member of the borrowing entity has completed 1 or more new construction projects where they were an owner or general contractor on the previous projects.
At Swell, transparency comes first. Our fix-and-flip loans feature competitive fees, no prepayment penalties, and no hidden exit points, helping you protect your ROI and keep your project on track.
Valuation Fee: Pass Through (if applicable)
Origination Fee: 1.5% of Loan Amount
Processing & Underwriting Fee: $1,000 per property
Title & Legal Closing Fees: Pass Through
Draw Fee: ~$250 Inspection Report Fee Per Draw.
Draws are the funds released in stages to cover your renovation work. As your rehab progresses, those funds are distributed step by step as part of your total loan amount. After each phase is completed, an inspection confirms the work is on track before the next draw is released, helping you manage your renovation budget with more confidence. More information is available on our Draws page.
