Private lender · Denver, Colorado
Short-term capital for real estate investors who already found the deal.
Second-position bridge, rehab and gap money for Denver-area operators. You bring the deal and the execution. I bring the capital, and I close in days rather than weeks. No points, no origination fee, no junk charges at closing.
- Loan size
- $50k–$150k
- Cost
- 10% flat
- Fees
- None
- Term
- 6 months
- Position
- Second lien
The terms, published
One number, quoted once. No points, no fees, and nothing new discovered at the closing table.
| Loan amount | $50,000 to $150,000 |
|---|---|
| Cost of capital | Flat 10% of principal for the six-month term. Not 10% annual. Ten percent for the term, and a 180-day minimum applies whether you pay off in month two or month six. |
| Points and fees | None. No origination points, no underwriting fee, no processing or document fee, no prepayment penalty beyond the 180-day minimum interest. The 10% is the entire cost of the money. Third-party closing costs (title, recording, insurance) are still yours, paid to those parties rather than to me. |
| Term | 180 days, with payoff at sale or refinance |
| Lien position | Second, behind a conventional or hard-money senior |
| Security | Recorded deed of trust plus a personal guaranty from the principal |
| Borrower | An entity: LLC or corporation. Business purpose only. |
| Down payment | None required. This is full-leverage capital. You are not expected to bring cash to the closing table, and that is precisely what the rate pays for. |
| Market | Denver metro and the Colorado Front Range |
What I fund
- Fix-and-flip rehab where the senior loan left a gap
- Bridge capital between acquisition and permanent financing
- Gap money to hold a deal together when a partner or a draw falls through
- Fast closings where the seller will not wait on a conventional timeline
- Repeat borrowers with a real track record and a clean payoff history
What I do not fund
- Owner-occupied or consumer-purpose loans of any kind
- Ground-up construction
- Raw land with no clear exit
- First-position loans. I sit behind a senior by design
- Deals where the numbers only work if everything goes right
How I actually underwrite
One number decides most deals, and you can run it yourself before you ever contact me.
(senior lien balance + amount requested) ÷ after-repair value
Squarely inside the box. This is where I want to be.
Workable, but the rest of the file has to be strong.
I will pass. There is not enough spread to protect a second.
Notice what is not in that formula: your cash into the deal. I do not run a loan-to-cost test and I will not ask you to put money down. My protection is the spread you created by buying right, a personal financial statement I verify against bank statements and an IRS transcript, and a misrepresentation carve-out in the guaranty. Buy well and be straight with me, and the structure works. Neither of those is negotiable.
How it goes
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1
Send the deal
Address, purchase price, rehab budget, ARV, the senior lien, and what you need. Five minutes on the form below.
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2
Answer in a day
You get a straight yes, no, or a specific question, usually within 24 hours. A no comes with the reason.
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3
Docs and title
Note, loan agreement, deed of trust, guaranty, and closing instructions to your title company. Standard package, same every time.
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4
Wire
Funds at closing. From first contact to wire is typically under two weeks, and has been done in far less.
What you will need to hand me
Have these ready and the file moves fast. Nothing here is unusual for a private lender.
- The purchase contract and your rehab scope with a budget
- Comparable sales or an appraisal supporting the ARV
- The senior lender’s term sheet or payoff
- Entity documents: operating agreement and certificate of good standing
- A personal financial statement, plus two months of bank statements and an IRS tax transcript to verify it
- Credit authorization for the guarantor
- Proof of hazard insurance naming Fischer Lending Corp LLC as mortgagee
Who you are borrowing from
I am Zach Fischer. Fischer Lending Corp is my own balance sheet, not a fund and not a broker shopping your file to a table of investors. There is no committee, no LOI that quietly re-trades at closing, and no capital partner who can pull out in week three. When I tell you the money is there, it is there.
I have been lending on Denver-area deals since 2022, mostly to repeat operators, in second position behind conventional and hard-money seniors. I also run an operating business in Denver, so I understand what it costs an investor when a lender goes quiet for a week.
Zach Fischer, Fischer Lending Corp LLC, Denver
Submit a deal
The more of this you fill in, the faster the answer. Everything you send stays between us.