Larger Capital, Faster Access
New Silver provides larger loans with the same speed and efficiency that smaller transactions demand. Larger opportunities do not require longer wait times.
Smarter Financing for a Scaling Portfolio
After the first 4-10 projects, you have built proven systems, created an established track record, and have a clear growth trajectory. What you need now is a financing partner who can match your pace - with larger capital access, efficient construction management, and costs that make sense at volume.
New Silver is built to support investors who are serious about scaling.
Get Approved Online Takes less than 5 minutes
$500M+Funded in Real Estate Loans
Over 50%Repeat Borrower Rate
Why New Silver
How New Silver Supports Growing Investors
Reduced Costs for Repeat Borrowers
Growing investors benefit from repeat borrower discounts on rates and origination fees that increase with your deal history with New Silver. At this stage of volume, those savings have a direct and compounding impact on overall portfolio returns.
Streamlined Construction Draw Process
Construction draws are processed quickly across all active projects, reducing administrative overhead and keeping contractors paid on schedule — regardless of how many projects are running simultaneously.
Expand Into New Asset Classes
Beyond residential fix and flip, New Silver offers 30-year rental loans for stabilized properties and ground up construction loans for residential projects. As your strategy evolves, your lending options evolve with it.
Asset-Based Underwriting
New Silver's underwriting focuses on the strength of the deal and the property, not income documentation. There is no hard credit pull, and approval decisions reflect your track record and the asset — giving experienced investors a distinct advantage over those navigating traditional lending criteria.
Efficient Multi-Project Management
Our online platform provides a centralized view of your loans and project timelines, making it straightforward to manage a growing number of active deals from a single location.
Consistent Support at Scale
As your portfolio grows, so does the complexity of each transaction. Our team provides hands-on support from application through to closing, ensuring deals move efficiently regardless of size or scope.
Loan Products
Fix & Flip
Funds for purchase + rehab or refinance + rehab
- Get up to $5,000,000
- Interest rates 8.5 - 11%
- Origination 1 - 1.75%
- Up to 100% construction
Rent
30 year fixed product for stabilized properties
- Get up to $3,000,000
- Interest rate from 6%
- Origination 0 - 1.5%
- 30-year fixed rate
Ground Up
Construction loans for residential builders
- Up to $5,000,000
- Interest rates 9.75 - 11.25%
- Origination 1 - 2%
- Up to 18 months
Common Challenges for Growing Investors
As deal volume increases, the demands on your financing strategy grow alongside it. The most common pressure points at this stage include:
Common Challenges
- Accessing larger amounts of capital quickly to pursue higher-value opportunities
- Managing construction draws efficiently across multiple active projects
- Keeping financing costs under control as overhead and complexity increase
- Maintaining the speed needed to stay competitive in active markets
- Finding a lender capable of handling increased volume without service quality declining
How New Silver Solves These Challenges
- Larger loans, same turnaround — bigger deals don't mean longer waits
- Construction draws processed fast across all active projects so contractors get paid on time
- Repeat borrower discounts on rates and origination fees that grow with every deal you close
- Instant term sheets, proof of funds and closing in as little as 5 days so you stay competitive in any market
- A dedicated team and centralized platform that handles more volume while maintaining white-glove service
At this level, inefficiencies in your financing process have a direct and measurable impact on your bottom line.
Speak To SalesRecently Funded
$562,500Asheville, NC Interest Rate 8.375%
Rent
$101,175Cape Girardeau, MOInterest Rate 6.25%
Rent
$520,000Holmes Beach, FL Interest Rate 6.125%
Refinance
$1,030,000Gainesville, GA Interest Rate 11.25%
Ground Up
$609,000South Haven, MIInterest Rate 10.75%
Ground Up
$1,143,000Cape Coral, FL Interest Rate 10.50%
Ground Up
$1,231,000Washington, DCInterest Rate 9.5%
Fix and Flip
$110,250Rockford, ILInterest Rate 6.5%
Refinance
$114,000Machesney Park, ILInterest Rate 7.375%
Refinance
$680,000Annandale, NJInterest Rate 10.50%
Fix and Flip
$148,500Coloma, MI Interest Rate 10.00%
Fix and Flip
$323,000Keaau, HIInterest Rate 9.5%
Fix and Flip
Frequently Asked Questions
New Silver offers Fix and Flip, Ground Up Construction and Rent (30-year fixed DSCR). Each product is tailored to a specific investment strategy.
Yes. Construction financing is available through both the Fix and Flip loan (up to 100% of rehab costs) and the Ground Up Construction loan (up to 90% of total project costs). Funds are released in draws based on completed work.
The maximum loan amount is calculated based on the lower of two ratios: Loan to Cost (LTC) and Loan to After-Repair Value (ARV). For example, if a property purchase price is $200,000 with $50,000 in rehab costs and an ARV of $290,000, the LTC calculation at 90% yields $225,000, while the ARV calculation at 75% yields $217,500. The lower figure — $217,500 — becomes the maximum loan amount, with the $50,000 construction budget held back and funded in draws.
- Fix and Flip: $100,000 – $5,000,000
- Ground Up: $100,000 – $5,000,000
- Rent: $150,000 – $3,000,000
Closing costs vary by loan type, amount, and state. For Fix and Flip and Ground Up loans, fees paid to New Silver typically include an origination fee, a $1,000 underwriting fee, $1,350 in legal fees, and a $500 title and insurance review fee. Additional costs include prepaid interest, title insurance, recording fees, and applicable transfer taxes. For Rent loans, costs include an origination fee, processing and closing fees, prepaid interest, taxes and insurance, escrow reserves, and title-related charges. Your Loan Advisor will confirm exact figures ahead of closing.
More FAQs are available in our self-service portal