Private Real Estate Lending Made Faster, Simpler, Smarter.

See why A4 is becoming the #1 choice for fix and flip, bridge, and new construction loans.

Follow us

Built For Repeat Borrowers

Our scale, experience, and commitment to service allow us to deliver tailored Real Estate Financing solutions that support investors across multiple projects.

Apply Now
5-10 DaysAverage Processing Time
8.5%+Loan Rates starting at
75%Loan-to-Value up to
90%Loan to Cost up to
$500K+Loan Size
NoPrepayment Penalty
1
2
3
4
Step 01 / 04

What Kind Of Real Estate Investment Are You Considering?

Tell us a little about your project so we can match you with the right financing path.

$500,000
$500K$12MM+
0%

Our Services

Loan Types

Asset Types

A4 Sets A New Standard In Real Estate Financing

A4
Banks
Brokers
Larger
Simpler, Smarter
Built For Speed
7 Days
60+ Days
30-45 Days
30 Days
Alignment
Win together
Deposit focus
Fees only
Volume & fees
Balance Sheet Lender
O

Trusted across the industry

5 Stars Across All Platforms

Check Us Out on Industry Trusted Platforms

Scotsman Guide
Lev
Janover Pro

Recently Funded

Recent Deals

A look at some of the projects we've recently financed for builders and investors across our lending footprint.

Deal Analyzer

Model your next investment.

Adjust the assumptions to see an illustrative deal summary.

$750,000
$800,000
$150,000
$1,200,000
10.5%

Illustrative summary

Total cost$1,028,750
Monthly interest$6,563
Loan-to-Value (LTV)63%
Loan-to-Cost (LTC)73%
Potential profit$171,250
Rate10.50%

For illustrative purposes only. This is not a commitment to lend or an offer of specific terms.

A4 Capital Partners Launches East Coast Expansion Initiative, With Plans to Enter Select Mountain West Markets

Featured Press Release

Business InsiderCompany Updates · September 25, 2026

A4 Capital Partners Launches East Coast Expansion Initiative, With Plans to Enter Select Mountain West Markets

After seeing tremendous opportunity across its existing markets, A4 Capital Partners is launching an East Coast expansion initiative, with plans to enter select Mountain West markets.

A4 Lending Areas

AlabamaAlaskaArizonaColoradoFloridaGeorgiaIndianaKansasMaineMassachusettsMinnesotaNew JerseyNorth CarolinaNorth DakotaOklahomaPennsylvaniaSouth DakotaTexasWyomingConnecticutMissouriWest VirginiaIllinoisNew MexicoArkansasCaliforniaDelawareDistrict of ColumbiaHawaiiIowaKentuckyMarylandMichiganMississippiMontanaNew HampshireNew YorkOhioOregonTennesseeUtahVirginiaWashingtonWisconsinNebraskaSouth CarolinaIdahoNevadaVermontLouisianaRhode Island
Active lending areasComing soon

Select a state

How Private Lending Helps Real Estate Investors

Private lending gives investors faster access to capital, greater flexibility, and financing solutions tailored to real-world opportunities.

  1. 01Faster Approvals & ClosingsDecisions in days, not months, so you can compete on time-sensitive deals.
  2. 02Flexible Financing SolutionsLoan structures built around the property and your business plan, not rigid bank boxes.
  3. 03Support For Development ProjectsFunding for ground-up construction and heavy rehab, with draws released as work progresses.
  4. 04Investor-Focused UnderwritingWe underwrite the asset and the exit strategy rather than relying only on tax returns.
  5. 05Portfolio Growth OpportunitiesRepeatable capital that lets you scale from one project to many without stalling.
  6. 06Expertise In Real Estate FinanceA team that has financed thousands of investor deals and knows how to get them closed.

Frequently Asked Questions

Get answers to your questions

Loans made simple. Learn about loans, eligible properties, and how A4 Capital Partners can help close deals faster. Get the answers needed to confidently guide your next real estate investment.