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Capital Lending

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Residential Mortgages

List of all lending types

LRFG provides a complete spectrum of residential mortgage solutions:

  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo
  • Super Jumbo
  • Non-QM
  • Bank Statement Loans
  • High-Net-Worth Asset-Depletion
  • DSCR (Rental Loans)
  • Investor Fix-and-Flip
  • Investor Fix-to-Rent
  • Bridge Loans
  • Cross-Collateral Loans
  • Construction-to-Perm
  • Manufactured & Modular Lending
  • Reverse Mortgages
  • Second Liens
  • HELOC / HCLTV structures

With access to thousands of capital sources, our residential execution is built for speed, accuracy, and strategy — not guesswork.

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Commercial Mortgages

List of all lending types

Our commercial lending platform covers:

  • Multifamily (2–4 and 5+)
  • Mixed-Use
  • Retail
  • Office
  • Industrial
  • Hospitality
  • Gas Stations & C-Stores
  • Land Acquisition & Development
  • Ground-Up Construction
  • Bridge & DSCR Programs
  • SBA 7a / 504
  • Portfolio Blanket Lending
  • NNN Lending
  • Credit Tenant Lease (CTL)
  • Specialty Assets (mobile home parks, self-storage, car washes)

Designed for investors, developers, business owners, and institutions who require a capital partner that actually understands their business model.

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Business Lending

List of all lending types

We fund businesses nationwide with:

  • Working Capital Lines
  • Term Loans
  • Equipment Financing
  • Invoice Factoring
  • Merchant Advances
  • Revenue-Based Financing
  • Inventory Loans
  • Acquisition Loans
  • Franchise Expansion Loans
  • Corporate Credit Structuring
  • Short-Term Growth Capital

Your business deserves more than a bank decline. It deserves a capital architect.

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SBLOCs (Securities-Backed Lines of Credit)

Description of how lending works

An SBLOC allows clients to borrow against an investment portfolio without liquidating assets.

Clients retain market exposure while accessing capital for:

  • Real estate acquisitions
  • Down payment supplementation
  • Business growth
  • Tax strategy
  • Opportunity investments

Rates are typically lower than conventional financing, with flexible terms and no mandatory amortization.

LRFG partners with institutions that offer compliant, high-liquidity SBLOC programs ideal for wealth advisors and high-net-worth borrowers.

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iBLOCs (Insurance-Backed Lines of Credit)

Description of how lending works

An iBLOC is a credit facility secured by the cash value of eligible whole life or indexed universal life insurance policies.

Borrowers gain:

  • Immediate access to liquidity
  • Low, stable borrowing costs
  • No asset liquidation
  • No disruption to policy performance

Used widely for real estate investing, tax-efficient capital access, and liquidity management inside financial advisor planning models.

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Luxury Lending

Description of how lending works

We provide specialized lending against high-value assets including:

  • Exotic automobiles
  • Yachts
  • Aircraft
  • Fine art
  • High-value collections

Luxury lending is structured as a collateral-based credit line with flexible terms, fast valuation, and discreet execution.

Perfect for entrepreneurs, investors, and UHNW clients who prefer to borrow against appreciating or collectible assets without long approval cycles.

Partner With Our Expert Team

We are committed to guiding you every step of the way—whether you're buying a home, selling a property, or securing a mortgage. Whatever your needs, we've got you covered.

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