"We go hard for the capital you need."
Sign up now to learn how you can get up to $50k - $100k funding for your business at 0% interest.
Term Loans
Fund smarter with flexible financing. Fixed payments with terms (from 6 months to 10 years) that work for your business. Use for any need.
Equipment Financing
Finance new (or used) equipment to boost sales in virtually any industry. Get approved in under an hour for purchases below $75K.
Business Line Of Credit
Get cash on hand, whenever you need it. Draw more as you repay, and pay interest only on the amount you take.
About Us
Gurilla Finance offers a dependable and affordable funding option for real estate investors and mortgage brokers to meet their investment financing requirements.We recognize the significance of timely access to financing, hence we have extended our non-owner occupied financing solutions to more than half of the nation to provide greater opportunities for business expansion.
Loan Servicing
Civic Financial Services C/O Fay Servicing is the 3rd party servicer Gurilla Finance has partnered with to be the primary point of contact for loan payments as well as any questions you may have about loan status, proof of payment, payoff demands, etc. Please direct all questions regarding your loan to Fay Servicing and one of their Account Managers will be ready to assist you.Mortgagee ClauseCivic Financial Services, LLCC/O Fay Servicing, LLCISAOA/ATIMAP.O. Box 29976Phoenix, AZ 85038-9976
Fees
We charge a one-time referral fee of 3% of the loan amount and a one-time packaging fee of 3% of the loan amount.For loans $151,000 and higher, there is a 3.25% guarantee fee paid for SBA loans.Bank closing costs typically add about another $317 and include standard bank fees though additional 3rd party report charges may apply.
Real Estate Investment Capital
Unlock the power of real estate investments with our flexible loan solutions - tailored to help you grow your portfolio and wealth.
Choose a product to learn more:
Bridge Loans
1 YEAR
STARTING RATE 6.99%
NO PREPAYMENT PENALTYThis is a great program for investors that fix and flip properties quickly.
2 YEAR
STARTING RATE 6.99%
PRE-PAYMENT 6 MONTHSA two-year term gives you the flexibility to fix and flip, buy and hold, engage in an extended rehab or even qualify for a conforming loan down the road.
• Stated income and no DTI requirement• No minimum FICO requirement• No minimum DSCR requirement on 1-year term• No prepayment penalty on 1-year term• Quicker valuation process
(full appraisals only required on case-by-case basis)• Close quickly
7-10 business days on average• Interest-only payments• Up to 80% LTV
Fix & Flip Capital
1 YEAR
up to 80% LTV up to 85% LTC
NO PREPAYMENT PENALTYThis is a great program for investors that fix and flip properties quickly.
2 YEAR
up to 80% LTV up to 85% LTC
THE 2 YEAR PROGRAM PRE-PAYMENT 6 MONTHSIf you have a larger fix and flip project that you know will take longer than 1 year, Gurilla Finance also has you covered.Avoid the stress of securing a refinance in the middle of your project, use our 2-year fix and flip loan.We offer acquisition and renovation costs on 2-year fix and flip loans just as we do on our 1-year loans.
Gurilla Finance finances both acquisition AND renovation costs. The more real estate investment experience you have, the less out of pocket costs there will be. Simply bring your down payment to closing, use your funds to complete the first state of renovation, and as the project progresses Gurilla Finance will reimburse you for the work completed. It's that easy.• Close fast to compete with cash buyers• Purchase and refinance loans up to 80% loan to as-is value• Finance renovation and construction costs (CLTV not to exceed 90% of ARV)• Home Depot Savings Program (up to 25% off building materials & equipment)• Stated-income only• Interest rates based on recent investment experience & credit• Interest-only payments
Rental Financing
5/1 ARM
4.75%+
PREPAYMENT PENALTY3% - 2% - 1% Step Down
7/1 ARM
4.99%+
PREPAYMENT PENALTY4% - 3% - 2% - 1% Step Down
10/1 ARM
5.25%+
PREPAYMENT PENALTY5% - 4% - 3% - 2% - 1% Step Down
Purchase, Rate and Term, and Cash-out Refinance options available. Single asset or portfolio aggregation. Enables investors like you to build a steady stream of income through rental property investment. Gurilla Finance delivers speed, leverage, and consistency to both highly experienced and new real estate investors.• Portfolio or single-asset loans
5/1, 7/1, 10/1• Interest-only ARMs• 30-year amortized with fixed initial interest-only payment period• Reasonable underwriting on cash flow requirements• Aggressive LTVs / high leverage
• Min. FICO: 600• Up to 80% LTV (Purchase, Rate and Term Refinance, Cash-Out, Refinance)• Property Types: SFR, 2-4 units, condos, PUD's, townhomes
Refinance
1 Year
Starting rate 6.99%
NO PREPAYMENT PENALTYThis is a great program for investors that want to refinance and stabilize a property with newly completed renovation or construction while you secure your exit.
2 Year
Starting rate 6.99%
PREPAYMENT 6 MONTHSA two-year term gives you the flexibility to complete your fix and flip project, stabilize for long term hold, or to give you time to qualify for a conforming loan down the road.
Let Gurilla Finance partner with you to refinance your construction loan and recapitalize on equity and construction costs so you can start your next project. Investors like you can utilize the loan to complete any final work to prepare the property for sale or stabilize the property for long term hold. This enables you to move on to your next project more quickly rather than waiting to access your funds until the property sells.• No prepayment penalty on 1 year term• Construction must be at least 90% complete. NO land loans• Foundation, framing, electrical, and plumbing must be 100% complete• Up to 80% LTV loan as-is value• Interest-only payments• Stated-income only• No minimum DSCR requirement on 1-year term
Rehab Financing
1 Year
up to 80% LTV up to 85% LTC
NO PREPAYMENT PENALTYThis is a great program for investors that fix and flip properties quickly.
2 Year
up to 80% LTV up to 85% LTC
THE 2 YEAR PROGRAM HAS A 6 MONTH PRE - PAYMENT PENALTYIf you have a larger fix and flip project that you know will take longer than 1 year, Gurilla Finance also has you covered.Avoid the stress of securing a refinance in the middle of your project, use our 2-year fix and flip loan.We offer acquisition and renovation costs on 2-year fix and flip loans just as we do on our 1-year loans.
Gurilla Finance finances both acquisition AND renovation costs. The more real estate investment experience you have, the less out of pocket costs there will be. Simply bring your down payment to closing, use your funds to complete the first state of renovation, and as the project progresses Gurilla Finance will reimburse you for the work completed. It's that easy.• Finance up to 100% of rehab budget• Max 75% of ARV (After Repair Value)• Home Depot® Rapid Pass savings program• Pricing: same rates and origination fee apply• RehabPro™ available for qualified investors (Interest charged only on drawn funds)
Long Term Loans
5/1 ARM
4.75%+
PREPAYMENT PENALTY3% - 2% - 1% Step Down
7/1 ARM
4.99%+
PREPAYMENT PENALTY4% - 3% - 2% - 1% Step Down
10/1 ARM
5.25%+
PREPAYMENT PENALTY5% - 4% - 3% - 2% - 1% Step Down
• Portfolio or single-asset loans
30-year amortized loans with fixed initial interest-only payment period• Reasonable underwriting on cash flow requirements• Min. FICO: 600• Up to 80% LTV (Purchase, Rate and Term Refinance, Cash-Out, Refinance)• Stabilized rental properties (leased or soon-to-be leased)• No DTI requirements for borrower
Multi-Family
1 YEAR
80% LTC
PREPAYMENT PENALTYNO MINIMUM INTEREST
2 YEAR
80% LTC
PREPAYMENT PENALTY8 MONTHS MINIMUM INTEREST
3 YEAR
80% LTC
PREPAYMENT PENALTY12 MONTHS MINIMUM INTEREST
Gurilla Finance finances both acquisition AND renovation costs. The more real estate investment experience you have, the less out of pocket costs there will be. Simply bring your down payment to closing, use your funds to complete the first state of renovation, and as the project progresses Gurilla Finance will reimburse you for the work completed. It's that easy.• Finance up to 100% of rehab budget• Max 75% of ARV (After Repair Value)• Home Depot® Rapid Pass savings program• Pricing: same rates and origination fee apply• RehabPro™ available for qualified investors (Interest charged only on drawn funds)
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We offer the following training programs for aspiring brokers.
Broker Basic (Free)
Just send us deals, and make a commission.
You use our basic broker portal to send us deals, and we will pay you a commission fee equal to 50% of our company's earnings on that deal. Plus, we'll provide you with one free training session every week to help you improve your skills and close even more deals!
Broker Direct ($2,500)
This is a little more fancy, you get your own site.
We also offer an upgraded package that provides even more benefits including:• Your Logo Design & Website• Dedicated broker portal• Direct access to our banks and lenders• Submit deals faster and with more options.• Account manager to help you manage your deals more efficiently.• 3 day training(How to find more deals)(How to identify potential customers)(How to negotiate deals and close them successfully)
Broker Direct Premium ($20,000)
We give you everything above and walk you through your first deal.
We also offer an even more upgraded package where we'll walk you through every step of your very first deal.In addition to the Broker Basic and Broker Direct benefits, this package includes:• Dedicated mentor who will work with you one-on-one• Specialized training program that's designed specifically for first-time deal makers.This program covers everything you need to know about finding leads, building relationships, and closing deals with confidence. We'll also provide you with ongoing support and resources to help you succeed.You'll have all the tools, guidance, and support you need to start your deal-making journey with confidence. This exclusive package is available for a limited time, so don't miss out on this opportunity to take your career to the next level.
We offer the following training programs for aspiring brokers.
Broker Direct ($2,500)
We also offer an upgraded package that provides even more benefits including:• Your Logo Design & Website• Dedicated broker portal• Direct access to our banks and lenders• Submit deals faster and with more options.• Account manager to help you manage your deals more efficiently.• 3 day training(How to find more deals)(How to identify potential customers)(How to negotiate deals and close them successfully)
(SOLD OUT)
Broker Direct Premium ($20,000)
We also offer an even more upgraded package where we'll walk you through every step of your very first deal.In addition to the Broker Basic and Broker Direct benefits, this package includes:• Dedicated mentor who will work with you one-on-one• Specialized training program that's designed specifically for first-time deal makers.This program covers everything you need to know about finding leads, building relationships, and closing deals with confidence. We'll also provide you with ongoing support and resources to help you succeed.You'll have all the tools, guidance, and support you need to start your deal-making journey with confidence. This exclusive package is available for a limited time, so don't miss out on this opportunity to take your career to the next level.