Bridge lenders
Anchor Loans
Anchor Loans is a direct private lender making first-lien, business-purpose real estate loans to residential investors, builders, developers, land bankers, and the brokers who serve them, nationwide. As a direct lender it funds loans with its own capital rather than brokering them to third-party institutions, and underwrites on asset value, project fundamentals, and execution speed.
The product range follows a project from acquisition to exit: fix and flip and renovation loans, bridge loans, ground-up construction for one to four units, acquisition and development and revolving subdivision facilities, borrowing base facilities for production builders, build-for-rent financing, DSCR rental loans, land banking loans, and bridge to sale or bridge to stabilization. For approval the company looks for a sponsor with a recent track record, a cost and value breakdown for the project, development cash flows on projects of five or more homes, zoning and entitlements supporting the business plan, and guarantor FICO, liquidity, and tangible net worth. Brokers apply through a separate broker application.
Founded in 1998, Anchor Loans says it has funded over $23 billion across multiple real estate cycles and was the first to surpass $23 billion in total funding. It reports that more than 85% of its volume comes from repeat customers and more than 75% of new business from referrals. The office is at 112 S Lakeview Canyon Road, Suite 200, Thousand Oaks, California, with a main line at (888) 719-5299 and separate addresses for draws, extensions, payments, and payoffs.
Loans are originated through several licensed entities, listed on the site's licensing page, and are for business purposes only, not for personal, family, or household use. The company has also posted a fraud and impersonation notice about a third party using a similar name, so verify contact details against the site before sending anything.
Best for
Experienced residential investors, builders, and land developers who need first-lien, business-purpose financing for renovation, bridge, or ground-up projects and can document a recent track record; the loans are not available for personal or household use.
What they do
- Fix and flip and renovation loans
- Bridge loans
- Ground-up construction loans for 1-4 units
- Subdivision acquisition and development financing
- Borrowing base facilities for production builders
- Build-for-rent construction financing
- DSCR rental loans
- Land banking and land development loans
- Bridge to sale and bridge to stabilization
- Broker-originated loan programs
Details
| Attribute | Value |
|---|---|
| Founded | 1998 |
| Licenses | Anchor Loans, LP: DFPI CFL License No. 603K850, NMLS ID No. 2289894, Anchor Assets XX, LLC: DFPI CFL License No. 60DBO-128080, NMLS ID 2283064, Anchor Nationwide Loans, LLC: NMLS ID No. 1401101 |
What stands out
- Founded in 1998 and reports funding over $23 billion across multiple real estate cycles.
- States that more than 85% of volume comes from repeat customers and more than 75% of new business from referrals.
- Funds loans with its own capital rather than brokering them to third-party institutions.
- Underwriting weighs sponsor track record, project costs and values, zoning and entitlements, and guarantor FICO, liquidity, and tangible net worth.
Common questions
- What does Anchor Loans do?
- Anchor Loans is a direct private lender providing first-lien, business-purpose real estate loans to investors, builders, and developers nationwide. Founded in 1998, it has funded over $23 billion across multiple real estate cycles, and specializes in bridge loans, fix and flip financing, ground-up construction loans, DSCR rental loans, and institutional-size residential development financing.
- What is a direct private lender?
- A direct private lender is a non-bank lender that funds real estate loans using its own capital rather than brokering them to third-party institutions, and focuses on asset value, project fundamentals, and execution speed. Anchor provides first-lien, business-purpose financing for acquisition, refinance, renovation, bridge, and ground-up construction projects across the United States.
- What is a bridge loan?
- A bridge loan is a short-term real estate loan used to acquire, refinance, recapitalize, or stabilize a property before permanent financing or a sale. It is commonly used for time-sensitive transactions, transitional assets, and properties that are not yet stabilized, and Anchor writes these in first-lien position for business-purpose projects nationwide.