Real Estate Loans, Simplified
Fast, flexible private capital for real estate investors. No appraisals. No tax returns. No B.S.
Proven Success
Numbers that speak louder than promises.
Loan Products
Fix & Flip Loans
Purchase and rehab funding for your investment properties. No appraisals, no tax returns, no B.S. — collateral-based with our own private funds.
Learn More →Rental Properties
Cash-out for rehab or other investment purposes on your rental properties. Close as soon as title work is ready.
Learn More →Commercial & Multi-Family
Lending on multi-family and most commercial property types for purchase and refinance. Limited documents needed.
Learn More →Transactional Financing
Short-term funding for double closes and back-to-back transactions. We provide the capital for your A-to-B so you can close your B-to-C.
Learn More →Real Results from Real People
12 Oak funded our 8-unit acquisition in 3 days when our bank fell through at the last minute. They've been our go-to lender for every deal since.
The process was unbelievably smooth. No appraisals, no hoops to jump through — just fast, honest capital. Closed in 2 days flat.
As a full-time flipper doing 15+ deals a year, I need a lender who moves fast and doesn't waste my time. 12 Oak is that lender.
First time using a private lender and 12 Oak made the whole thing painless. Their team walked me through every step. Will absolutely use them again.
Success Stories
Where vision meets funding: see the projects we've helped bring to life.
The 12 Oak Way
Simple, swift, relationship-driven lending — built for investors, by investors.
Apply in Minutes
Quick online application — no credit pull, no hassle.
Get Your Quote
Receive a custom term sheet within hours, not days.
Fast Underwriting
Collateral-based review with common-sense flexibility.
Close & Fund
Sign docs and receive your capital in as little as 2 days.
Get Started with 12 Oak Lending
Ready to fund your next deal? Apply in minutes and get answers in hours. Let's build something great together.