Lacon Group is a direct commercial lender financing real estate and business-purpose loans nationwide — bridge, hard money, construction, SBA, and conventional. You work with a senior lender on every deal, and bridge loans close in as few as 7 days.
Loan Programs
From quick-close bridge loans to long-term conventional financing, every program is underwritten by senior lenders who actually understand commercial real estate — and have the authority to say yes.
$500K – $25M
Short-term capital to win time-sensitive acquisitions, reposition assets, or bridge to permanent take-out financing without waiting on a bank.
$250K – $10M
Equity-driven loans collateralized by the property — built for investors who need speed and flexibility that traditional lenders can't offer.
$350K – $5M
Government-backed financing for owner-occupied real estate and business expansion — the lowest long-term rates we offer, with up to 90% LTV.
$1M – $50M
Permanent financing for stabilized, income-producing properties — competitive fixed rates with recourse or non-recourse structures for strong sponsors.
$1M – $30M
Ground-up and heavy renovation financing with progressive draws tied to inspected milestones — and a clear take-out plan from day one.
$1M – $20M
Subordinate capital layered behind senior debt to close the leverage gap on complex, institutional-grade transactions.
Lending Requirements
A complete package speeds underwriting. Gather these items to move from term sheet to funding without friction.
Underwriting guidelines: minimum 620 FICO for asset-based programs (680+ for conventional/SBA), LTV up to 80% (75% construction), DSCR 1.20+ on income-producing properties, and a clear exit strategy.
The Process
Share your deal basics through the inquiry form. A senior lender — not a call center — reviews it within one business day.
You receive an indicative term sheet with rate, LTV, term, and conditions tailored to your specific transaction.
We order appraisal, title, and due diligence in parallel. You submit the supporting documentation package as we go.
Final docs are signed and funds wired. Bridge and hard money loans can close in as few as 7–14 days.
Closed Deals
A look at recent transactions our senior lenders structured across the country — from quick-close bridge loans to ground-up construction. Names withheld to protect client confidentiality.
Multifamily · 48 units
Atlanta, GA
An off-market, value-add acquisition where the borrower had to beat a competing offer. Our senior lender approved the loan on the strength of the asset and the sponsor's track record — without waiting on bank underwriting.
“Closed in nine days against a competing lender. Exactly the speed our deal needed.”
Mixed-Use · Retail + 22 apts
Richmond, VA
Ground-up construction of a four-story mixed-use building. Progressive draws were tied to inspected milestones, with a permanent take-out structured from day one.
“They understood the build and structured the draw schedule around our GC. No surprises at funding.”
Industrial · Flex
Dallas–Fort Worth, TX
A sponsor needed fast capital to acquire a light-industrial flex property and consolidate a maturing note. Credit-flexible, asset-based underwriting let us close in under a week.
“No income verification, no red tape. We closed in a week and kept our timeline intact.”
Start Your Application
Tell us a little about your financing needs, and our team will review your information and reach out to discuss your available options. Getting started is simple, confidential, and comes with no obligation.
FAQ
