Institutional credit. Broker-channel speed. No hidden conditions.
AspireFunds partners with real estate sponsors, developers, owner-operators, and business borrowers seeking bridge, construction, mezzanine, CMBS, SBA, non-QM, equipment, or specialty financing solutions — across the full commercial and residential real estate credit spectrum.
Borrowers with documented experience, real collateral, and viable exits.
We evaluate loan-to-value, debt service coverage, sponsor track record, and exit liquidity in that order — collateral first, structure second, relationship third. Every borrower receives a clear term sheet, a disclosed fee schedule, and a draw management process with no hidden conditions.
Bridge Loans
Transitional and near-stabilization commercial assets executing acquisition, renovation, or lease-up. Interest reserves, extension options tied to performance, and flexible prepayment.
Construction Loans
Ground-up development with full recourse completion guarantees, draw controls aligned to independently verified milestones, and completion bonds.
Mezzanine & Preferred Equity
Gap capital between senior debt and sponsor equity for transitional, value-add, conversion, and development projects. Protective covenants and equity participation.
CMBS Conduit
Commercial mortgage loans underwritten to CMBS credit and structure standards, with securitization execution through conduit CMBS trust transactions.
SBA 7(a) & 504
Government-guaranteed financing for owner-occupied CRE, franchise acquisitions, and expansion for qualifying small and medium-sized businesses.
Non-QM & Fix-and-Flip
Alternative documentation residential loans for self-employed and investor borrowers, plus revolving credit facilities for professional renovation programs.
Program eligibility at a glance.
Bridge & Construction
Minimum loan sizes begin at $5M for standard bridge and construction transactions on multifamily, mixed-use, hospitality, industrial, and commercial assets.
Mezzanine & Preferred Equity
Gap capital positions above senior debt across transitional, value-add, and development capital stacks.
CMBS Conduit
Fixed-rate commercial mortgage loans structured to CMBS conduit standards.
Small Balance Commercial
$1M–$15M balance sheet loans on properties underserved by CMBS and community banks.
SBA 7(a) / 504
Follow SBA program eligibility requirements for owner-occupied CRE and business financing.
Non-QM Residential
Alternative-documentation residential loans for self-employed borrowers and real estate investors.
From inquiry to closing in five steps.
Initial Inquiry
Submit collateral or business description, loan amount, loan type, LTV estimate at current value, and brief summary of business plan and exit strategy.
48-Hour Response
The credit team reviews and responds within 48 hours with either a request for additional information or a preliminary term sheet.
Full Application
Full package: trailing financials, property financials, rent roll, appraisal or valuation basis, borrower financials, liquidity documentation, and business plan.
Approved Term Sheet
AspireFunds completes full underwriting and issues the final approved term sheet within 5–10 business days of a complete package.
Standard bridge transactions target closing in 10–15 business days from credit approval.
How we partner after closing.
Days 1–30 · Foundation
Servicing team establishes monthly reporting requirements, reviews draw schedules for construction, confirms escrow funding, verifies insurance and title compliance, and introduces the borrower to communication protocols.
Days 31–60 · Operational Build
First reporting cycle and performance review. Initial draw request documentation review, first independent inspection, leasing and renovation progress versus underwriting assumptions.
Days 61–100 · Rhythm
Established operating rhythm. Draw cycle functioning with milestone verification. Any variances identified in early cycles addressed proactively before they escalate.
Frequently Asked Questions
What loan types does AspireFunds originate?
Bridge, construction, mezzanine debt, preferred equity, CMBS conduit, small balance commercial, SBA 7(a) and 504, warehouse facilities, non-QM residential, fix-and-flip revolving credit, equipment finance and tenant improvement loans, and insurance premium finance. Distressed loan acquisition and workout is offered through Fund XI.
What is the minimum loan size AspireFunds considers?
Bridge and construction begin at $5M; mezzanine and preferred equity at $3M; CMBS conduit at $5M; small balance commercial at $1M; SBA per program eligibility; non-QM residential at $250,000; warehouse facilities at $10M; insurance premium finance at $50,000.
How quickly can AspireFunds close a bridge loan?
We target term sheet issuance within 48 hours of a complete application, and closing within 10–15 business days for standard bridge transactions where independent appraisal, title, and environmental are already in process. Complex transactions may require additional time.
How does AspireFunds price credit?
We price to cycle-appropriate risk rather than commoditized rate competition. Every borrower receives a clear term sheet with a disclosed fee schedule. No fees are added between approval and closing without affirmative borrower consent.
How can a borrower or sponsor submit a loan inquiry?
Submit initial inquiries to [email protected] including property address or business description, loan amount, loan type, collateral description, and a brief summary of business plan or use of proceeds. The credit team will respond within 48 hours.
Send us a package. We will respond within 48 hours.
Attach a brief loan summary, property or business description, loan amount and type, LTV estimate, and business plan / exit strategy. Complex CMBS, LIHTC, or portfolio transactions may require additional documentation.
Email: [email protected]
Office: 972.945.5050