✔ Nationwide Lending Relationships ✔ MBE Certified
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.
Fix & Flip • DSCR Rental • Ground-Up Construction • Multifamily • Mixed-Use • Small Balance Commercial • Bridge • eFunder EquityFlex Loan™
Purchase and renovation
Buy. Renovate. Resell.
Explore purchase and renovation financing for eligible investment projects, with a structure matched to the property, your experience and exit plan.
Purchase + Renovation Financing Available*
*Maximum financing depends on project scope, borrower experience, valuation, liquidity and underwriting. Borrower funds may still be required.
Explore Fix & Flip FinancingRental-property financing
Qualify Based on Rental Cash Flow.
Evaluate purchase or refinance options for eligible rental properties, with property cash flow, borrower qualifications and program requirements considered.
Long-Term Rental Financing Options*
*Leverage, DSCR, reserves, property type and borrower requirements vary by program and underwriting.
Explore DSCR Rental LoansSpecialized high-equity financing
Strong Equity. Challenged Credit?
Your investment property’s equity may open financing options even when your credit score doesn’t meet traditional lending requirements.
No Stated Minimum Credit Score*
*Applicable investor 1–4 unit program only. Credit review applies. Approval is not guaranteed.
For eligible high-equity transactions. Property, leverage and underwriting requirements apply.
Explore EquityFlex FinancingShort-term financing
Consider financing for eligible acquisitions, property transitions and stabilization, aligned with a clear sale or refinance plan.
Explore Bridge FinancingCommercial and mixed-use properties
Review financing for eligible mixed-use, office, retail, warehouse and other commercial properties, based on the property, cash flow and transaction.
Explore Commercial Financing5-20 unit investor guide
Explore how income, expenses and property performance shape financing for eligible 5-20 unit apartment properties.
Read the Multifamily GuideBusiness-purpose financing for eligible investment and commercial properties. Credit, property income, leverage, liquidity, eligibility and underwriting requirements vary by program. Approval is not guaranteed.
Terence Young is the founder and CEO of eFunder Capital, a commercial capital platform focused on helping real estate investors and business owners navigate financing strategically.
With experience spanning real estate investing, refinancing, portfolio growth, and commercial financing execution, Terence brings both real-world perspective and practical financing insight to every client relationship.
After personally experiencing the challenges many investors face when trying to secure financing, Terence built eFunder Capital around a simple principle:
Clear guidance, strategic structure, and strong execution matter.
Today, eFunder Capital works with investors and business owners nationwide across bridge financing, DSCR loans, rental portfolio financing, commercial real estate funding, business-purpose lending, and strategic capital planning.
The company’s approach combines financing access with practical understanding of how capital structure impacts long-term growth, liquidity, and execution.
As a Certified Minority Business Enterprise (MBE), Terence is also committed to supporting business growth, financial education, and long-term relationship-based partnerships within underserved and growth-focused communities.
Terence Young
Learn How Investors Structure Fix & Flip Financing Strategically
Fix and flip financing is more than just getting approved for a loan. The structure behind the deal can directly impact your timeline, cash flow, renovation budget, and long-term profitability.
This blueprint was created to help real estate investors better understand how fix and flip financing actually works, including:
• How leverage and rehab funding are structured
• Common mistakes that slow down closings
• What lenders are really looking for
• How to position your deal for stronger execution
• Ways experienced investors protect profit margins and preserve liquidity
Whether you’re funding your first project or scaling your investment portfolio, this guide will help you approach fix and flip financing with greater clarity and confidence.
Reviews
Managing several mortgages, coordinating payment schedules, and accessing equity across multiple properties can make financing more complicated as a portfolio grows. Portfolio loans may provide an alternative to financing each property through a separate loan. However, qualifying for portfolio financing involves more than simply owning multiple investment properties. Lenders may...
Real estate investors who own multiple properties often face a financing challenge: managing several loans while continuing to grow their portfolios. Each property may have a separate mortgage, payment schedule, interest rate, and loan maturity date. As the number of properties increases, managing those obligations can become more complicated. Some...
Real estate investors often reach a point where financing one property at a time is no longer the most practical approach. An investor may own several rental properties, have multiple mortgages, and be preparing to acquire another property. Each new purchase creates additional financing decisions involving available equity, cash flow,...
Discuss your financing scenario, investment strategy, or capital structure needs with eFunder Capital. 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.
