Fast, Flexible Financing for Real Estate Investors

When banks say no, we say yes. Unlock tailored loan solutions to scale your portfolio, refinance properties, or fund your next big deal.

At eFunder Capital, we specialize in turning roadblocks into opportunities. Whether you’re acquiring your next investment property, refinancing for better returns, or seeking fast funding, our seasoned experts are here to simplify the process and guide you every step of the way. With competitive rates, flexible loan programs, and personalized service, we empower real estate investors and business owners to achieve their goals. Say goodbye to traditional financing hurdles and hello to fast approvals and tailored solutions.

Ready to fund your next opportunity? Explore our loan programs and book your free consultation today!

$500M+

Total Assets Financed

95%

Loan Rate Approval

<72 Hours

Funding Seed

The Power of Real Estate Investing with eFunder Loans

At eFunder Capital, we’re dedicated to empowering your real estate journey. Whether you’re a seasoned investor or taking your first steps, our tailored loan options and competitive rates are designed to help you succeed. From funding fix-and-flips to financing long-term rentals, we provide the tools and support to turn your goals into reality.

With eFunder, you gain more than just funding—you gain a partner committed to your success. Discover how we can help you grow, scale, and thrive in the competitive real estate market. Take the first step today and apply for the loan that aligns with your unique vision.

Diverse Loan Programs Tailored toYour Success

Our expert team is committed to helping you thrive in the competitive real estate market.

Fix n Flip/Rent

Short-term financing for the purchase & rehab of 1-4 unit non-owner occupied properties

  • Up to 90% of purchase
  • Up to 100% of Rehab
  • Competitive Rates
  • Loans $100K – $5M

Rental Loans

Long-term financing for investors who are holding properties for rental income

  • Up to 80% of purchase
  • Up to 80% on cash-out refi
  • Competitive Rates
  • Loans $100K – $5M

Small Balance Commercial

Long-term financing for mixed-use, multi-family, small balance commercial

  • Up to 80% of purchase
  • Up to 80% on cash-out refi
  • Competitive Rates
  • Loans $100K – $5M

Bridge Loans

Short-term financing for the purchase & rehab of non-owner occupied properties

  • Transition and stabilize your assets
  • ​Up to 80% LTV
  • Competitive Rates
  • Loans $250K – $5M

SBA Loans

Government-guaranteed loans for small businesses that utilize at least 51% of the property space

  • SBA 504
  • SBA 7A
  • Owner-Occupied Businesses
  • Must Occupy 51%
  • Low Rates

Equipment Financing

Loans & leases to distribute equipment costs over a period of time rather than one upfront purchase

  • Fast approval within 72 hours
  • Highly competitive rates and terms
  • ​$5,000 to $10,000,000
  • Minimum 1 year in business
  • Approval possible with credit challenges

Charting Your Course to Real Estate Terence Young's YouTube Series

In this engaging series, Terence shares invaluable insights and time-tested strategies to empower aspiring and seasoned investors alike. With real-life examples and a supportive community, Terence navigates you through the dynamic world of real estate, helping you discover hidden opportunities and embrace a mindset of abundance. Subscribe now!

Terence Young's Journey to Real Estate Triumph

Welcome to my real estate journey! I’m Terence Young, a passionate commercial mortgage broker dedicated to helping people achieve their investment dreams through exceptional funding solutions. Inspired by Winston Churchill’s words, “We make a living by what we get, we make a life by what we give,” I’ve made it my mission to empower others in the dynamic world of real estate.

From Challenges to Triumphs

In my early days as a real estate investor, I faced the same challenges many of you might encounter today. Despite ambitious goals, securing the right funding was a constant struggle. Traditional banks hesitated with fix-and-flip loans, and hard money lenders imposed excessive fees that threatened my profits. Looking back, I know how invaluable it would have been to have someone like me—an experienced investor and broker—to guide me past these obstacles and unlock the best financing options.

The Spark That Started It All

In 2004, while working in corporate America for a national retailer, I found myself unfulfilled. Late-night real estate infomercials sparked a desire for something greater. Determined to change my life, I took a leap of faith and purchased my first property to flip. Like any newcomer, I faced my share of challenges, but those early days taught me the power of equity appreciation. Refinancing that first property and pulling out $26,000 was a turning point—it solidified my belief in the transformative potential of real estate.

A Career Built on Experience and Giving Back

Over the years, I’ve explored nearly every facet of real estate, from wholesaling and fix-and-flips to becoming a landlord. These experiences shaped my perspective and taught me the value of streamlined systems for success. My time with Fortune Builders allowed me to coach others, further fueling my passion for helping aspiring investors overcome barriers and achieve their dreams.

Join Me on This Journey

Today, I invite you to join me on this journey to real estate triumph. Together, we’ll navigate the ever-changing world of property investment, uncover hidden opportunities, and chart a course to financial prosperity. Whether you’re a seasoned investor or just starting out, I’m here to guide you every step of the way.

Terence Young

Download Securing a Commercial Mortgage: The 6 Advantages of Working with a Knowledgeable Broker

Introduction

Securing the right commercial mortgage is crucial for achieving your business or real estate investment goals. But with so many options, choosing the right path can feel overwhelming. That’s why I wrote this guide—to help you make informed decisions and unlock the advantages of working with an experienced broker. In this e-book, I’ll show you how knowledgeable brokers simplify the process, save you time and money, and provide tailored solutions that align with your unique needs. Whether you're navigating the challenges of post-COVID lending or seeking opportunities outside traditional banks, this guide equips you with insights to confidently secure the funding you deserve.

Reviews

Find Out What Our Past Clients Are Saying

“Terence has been amazing in helping me find funding for my real estate deal in Pittsburgh. It was quite a complicated deal because it involved repurposing existing eight unit building and turning it into four single-family townhouses. So it was multiple stages to it and Terence got me a rate that I couldn’t have found on my own”
Jeff V.
“So for anyone who is looking to either getting into real estate or someone who wants to expand their portfolio, Terence is definitely someone that you want to have on the financing team”
Jeff G.
“The e-funders family did an amazing job on every deal that I've done. Everything ran smooth perfectly flowed and I'm so satisfied with your service.”
Darwin C.

Daily Tips to Understand Real Estate Investments

Stop me if you’ve heard this before: “Real estate is one of the best ways to build wealth, but it’s only for the rich and well-connected.” If you’re like most beginners, you’ve probably come across conflicting advice, intimidating terms, and the assumption that you need a massive bankroll to get...

Owning a property together can be a complex endeavor, intertwining financial obligations and daily lives of the co-owners. Understanding the intricate laws surrounding joint tenancy is crucial to safeguard your investment and ensure your rights are protected. If you’re considering purchasing a property with a friend, family member, or spouse,...

A business line of credit can be a lifeline for businesses looking to manage cash flow, finance growth, or handle those unpredictable expenses that seem to pop up at the worst times. This flexible financing option lets you access funds as needed, similar to how a credit card works, but...

Schedule Your Appointment Today!

Phone calls or Zoom meetings are available by appointment only. Dial +1 412-307-9211 to talk to our team directly, or click here to schedule a Zoom call for a virtual meeting at your convenience.

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