HOME

You Bring the Deal.
We Bring the Funds.

No one can do everything. You have contractors, tenants, and agents to deal with—the last thing you need to worry about is money. Let our expert team handle the funding while you focus on the deal.

LOAN PRODUCTS

Years Of Experience

95 %

Loan Approval Rating

4.7

Google Review Rating

$ 10 MM

Loans Funded

With 15 Years of Experience, Let Us Be Your Teammate.

With 15 years of industry expertise and as experienced investors ourselves, we created the business we wish we had when we started. Count on our seasoned professionals for innovative financial solutions and steadfast support, guiding you toward your goals with confidence and clarity.

BOOK A CALL

Loan Programs

We offer a variety of commercial mortgages tailored to business owners. Our expertise ensures that you receive the best financial solutions to meet your unique needs. Let us help you navigate the lending process with ease and confidence.

DSCR Loans

Offers flexible financing based on a property’s income potential rather than personal income. Ideal for real estate investors, these loans make it easier to grow your portfolio by focusing on the property’s ability to generate cash flow.

Fix & Flip Funding

Get the capital you need to purchase, renovate, and sell properties quickly. This funding option is perfect for real estate investors looking to capitalize on undervalued properties, make necessary improvements, and turn a profit.

SBA Funding

SBA 7(a) Loans offer flexible funding for working capital, equipment, and real estate with competitive rates. SBA 504 Loans provide long-term, fixed-rate financing for major assets like real estate and equipment. Both options help businesses grow and succeed while preserving cash flow.

About Us

The Funding Clinic was founded to support small business owners during financial uncertainty and opportunity. Having faced challenges like unexpected expenses and cash flow management, I know the critical need for growth capital.
The 2008 market crash and the COVID-19 pandemic have highlighted the struggles small businesses face when funding sources dry up. I understand the unique needs of small business owners and the importance of timely access to funding.
My team is dedicated to helping small business owners secure the necessary funding to sustain and grow their businesses. At The Funding Clinic, we offer transparent, honest, and personalized guidance, committed to being the reliable loan advocate you need.
- Terrance Wilson, CEO & Founder

Meet the Team

Our seasoned professionals are committed to guiding you through every step of the funding process with transparency and integrity.

Terrance Wilson

Managing Broker & Founder

DeAara Lewis

Chief Operating Officer

Some of Our Happy Clients

Take a listen to what more of our satisfied clients have to say about our services.

Frequently Asked Questions

We've Got A's for Your Q's

Maximum loan-to-value (LTV) is 85% for purchases and 75% for refinances.

For standard DSCR loans offering the most competitive rates, a credit score of 620 or higher is required. The higher your credit score, the lower your interest rate will be. However, we can accommodate scores as low as 580 through our partners who focus on equity-based lending. Please be aware that loans with lower credit scores will incur higher interest rates and fees.

We can close in as little as 15 days if you have an appraisal that's less than 90 days old. Usually, we close loans within 30 days. The faster you provide the necessary documents, the quicker we can complete the process. We're here to help ensure everything goes smoothly.

Yes, we collaborate with lending partners who offer DSCR loans for short-term rental properties.

A fix-and-flip loan is short-term financing designed to cover the purchase and renovation of a property for quick resale. A DSCR (Debt Service Coverage Ratio) loan is based on the property’s rental income and is typically used for long-term buy-and-hold investments, where the property generates enough income to cover loan payments.

Yes, once the renovation is complete and the property is stabilized, many investors choose to refinance into a long-term loan, such as a DSCR or rental property loan, allowing them to hold onto the property and generate rental income.