We specialize in NON-OWNER occupied INVESTMENT PROPERTY loans, small commercial financing, and business growth funding. With 15+ years in real estate and finance, we know investors don’t need another “no”—they need funding that actually gets to the closing table..
Why OnPurpose?
Funding + Credit + Education = Leverage.
✅Nationwide lending
✅Direct portfolio lender + access to other lenders
✅Seller carry / Seller 2nd allowed
✅Credit score not a factor (equity-based programs available)
✅First-time and foreign investors welcome
✅Business credit & financial education programs
Build your foundation. Fund your next move. Do it all OnPurpose.
Property Types We Fund
We provide direct financing for non-owner occupied investment properties and small commercial real estate.
✅1-4 Unit Residential Investment Properties
✅Mult-Family (5+ Units)
✅Mixed-Use Buildings
✅Small Commercial (Retail, Office, Warehouse, Flex, Storage Units)
✅Automotive Shops & Service Centers
✅Assisted Living (1 to 4 Units)
✅Mobile Home Parks
✅Day Care Facilities
✅Churches
Loan Types We Offer
Creative lending beyond traditional hard money:
✅Purchase Loans - Acquire new investment properties quickly
✅Rate-Term Refinance - Lock in stable, long-term financing
✅Cash-Out Refinance - Unlock equity for your next deal
✅DSCR - Qualify based on cash flow
✅Fix & Flip Loans - Finance both purchase (Up to 90% LTC) + rehab (100% of budget)
✅Bridge/Interest Only Loans - Flexible short -term financing solutions
✅Term Loans (30-Year Fixed) - Based on property value, not income
✅Blankets - Portfolio lending designed for investors that want to purchase or refinance more than one property
✅New Construction - Bring your new asset to marketEdge.
Loan Amounts
We provide flexible capital solutions for real estate investors and business owners:
✅Loan Amounts: Minimum total loan amount is $75,000 (no property value minimum amount) Maximum loan amount is up to $5,000,000 (larger with approval and loan max may vary by program)
✅New Construction Loan Amounts: Schedule a consultation
Rates
Our rates reflect your deal's strength, loan type, equity and experience:
✅ Range from 6.0% to 11.49%
All loans are business purpose only. Rates and approvals vary based on borrower profile, property type, and market conditions. Not all applicants will qualify.
💼ONE PLATFORM:
THREE SOLUTIONS
Fresh start loan
Problem: Have equity but bad credit, late payments, or even bankruptcy?
Solution: Get approved without credit score requirements. Up to 50% LTV, no ownership seasoning, streamlined underwriting. Perfect for investors with equity but setbacks in their history.
Minimum Score: 0
term LOAN/DSCR
Problem: Need long-term stability but don’t qualify traditionally?
Solution: 30-year fixed-rate with optional interest-only, based on property value—not income. No balloon payments. A smarter, cheaper alternative to hard money.
Minimum Score: 650 (mid score)
bridge loan
Problem: Short-term project but don’t want high hard-money costs?
Solution: 24 months of interest-only payments, no prepay penalties, higher LTV than hard money. Ideal for purchases, cash-out refis, or repositioning investments.
Minimum Score: 675 (mid score)
fix & Flip loan
Problem: Great deal on a property but no cash for rehab?
Solution: Finance both purchase + renovation based on ARV. Quick closings, higher LTV, and interest-only payments = faster flips with less out of pocket.
Minimum Score: 650 (mid score)
foreign investor loan
Problem: Seeking U.S. investment properties but can't find a financial solution?
Solution: Flexible financing for foreign nationals. No U.S. credit required, LTV up to 65%, 30-year fixed rate.
Minimum Score: 0
New construction loan
Problem: Need funds to build but banks are telling you "no"?
Solution: Finance land + build cost with flexible terms. Break ground without all the roadblocks.
Minimum Score: (Schedule Consultation)
Preferred minimum credit score for all business loans: 680 or above
Income: $10,000 a month
Working Capital & Business Loans
Fast cash for operations, growth, or unexpected expenses. Flexible term loans and credit lines at competitive rates. Only pay interest on what you use while building your business credit
SBA, Equipment & Invoice Financing
Low-rate SBA 7(a) & Express loans, equipment financing, and invoice advances. Keep cash flowing and your business scaling.
Broker Referral Program
Problem: Brokers and connectors get stuck with small payouts and limited programs.
Solution: Our Broker Referral Program pays 1–1.5 points or .25 referral fees, with access to direct funding solutions nationwide. Transparent, fast, and profitable.
Ready to grow your real estate portfolio or business?
Click to schedule a call to go over our simple, hassle-free process.
😩Tired of Denials? Done with Dead Ends? We built the OnPurpose Financial Blueprint to help investors and business owners strengthen their foundation:
✅Personal & business credit education
✅Dispute support + real time access
✅Mastery courses to accelerate results
✅Build leverage for bigger approvals
💬 We give you the strategy to qualify for more.
Build. Invest. Thrive—All OnPurpose
BUILDING SUSTAINABLE WEALTH.
Imagine having:
Funding that’s tailored to your goals—not dictated by traditional banks.
A real estate portfolio generating consistent cash flow, built with creative strategies.
Business and real estate solutions that remove barriers and unlock your potential.
That’s not a pipe dream—it’s what happens when you align with OnPurpose. We provide the funding, strategies, and support you need to turn your vision into a reality.
All-in-One Solutions for Entrepreneurs and Investors.
Funding, real estate lending, and business growth strategies—tailored to your journey.
Business Funding Solutions
Access loans, lines of credit, and creative financing options designed for your unique needs.
Real Estate Lending for Investors
Secure funding for Subject-To deals, Seller Financing, flips, commercial, land and rental property acquisitions.
Creative Financing Expertise
Learn how to acquire properties with little to no money down using strategies like Subject-To and Seller Financing.
Credit-Building Guidance
Strengthen your business credit to unlock larger funding opportunities while protecting personal assets.
Wealth-Building Strategies
From infinite banking to trust creation, we help you secure your financial future and build generational wealth
Legal Support for Transactions
Affordable legal guidance to protect your business and real estate investments.
🔹 Solution 2: The Financial Blueprint
Need to improve your credit? Want to build a business credit profile? We’ve got you covered — ONLY IF YOU NEED IT.
✅ Personal & Business Credit
Accelerate your financial transformation.
✅ Dispute Support
Analyze reports, and dispute support services
✅ Credit Restoration Mastery Course
Access our DIY Credit Restoration Mastery Course
✅ Real-Time Dashboard
Track your results in real time.
✅ Business Credit Mastery Course
Structure, build, and grow your business credit profile
🧠 “You don’t need it to get funded — but it can help you qualify for more.”
Your Circle is the Shortcut
You don’t need more courses. You need more connections.
Inside the OnPurpose Mastermind, you’ll surround yourself with:
Investors getting deals done
Entrepreneurs securing funding
People building credit and building wealth — together
Here’s What We Are — and What We’re Not.
🔐 COMPLIANCE & CLARITY
We are not a credit repair company.
We are a strategic lending and consulting company that offers an educational platform that includes dispute support, personal and business credit courses, and access to additional resources for $49 a month.
✔️ You can apply for real estate lending or business funding without purchasing any credit education consulting services.
✔️ Credit education is optional — and designed to help you qualify for higher limits and more opportunities
✔️ You can dispute items yourself for free — or let us guide you as part of your consulting experience.
✔️No results are guaranteed, but our goal is to equip you with everything you need to succeed.
The time to act is now. Stop waiting for permission and take control of your future.
🔁Stop chasing approvals — and start building leverage.
Your business. Your portfolio. Your financial legacy.
TRUSTED PARTNERSHIPS
with over 50+ Lenders
EXCLUSIVE PARTNERSHIPS
that you can count on!
At On Purpose Real Estate Solutions, we appreciate how investing in relationships brings mutual prosperity. How we do business as a direct lender and who we partner with ensures the best services available for our customers.
📣 Real People. Real Progress. Real Purpose.
TRUSTED PARTNERSHIPS
with over 50+ Lenders
EXCLUSIVE PARTNERSHIPS
that you can count on!
By working with all legitimate funding sources and a wide range of trade accounts, loans and credit lines, we can often get you approval for multiple loan and credit line options, maximizing the amount of capital you receive.
At On Purpose Business Solutions, we appreciate how investing in relationships brings mutual prosperity. Who we partner with ensures the best services available for our customers.
5.0
A+
Get in Touch!
1 602-497-4682
Office: 16220 N. Scottsdale Road, Suite 300
Scottsdale, Arizona 85254
If you have specific questions
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OnPurpose Real Estate Solutions © 2025 | ALL RIGHTS RESERVED
Disclosures and Compliance
-Business Purpose Loans Only - All loans offered are strictly for business purposes. Funding is available only for non-owner-occupied investment properties and small commercial projects. We do not provide consumer mortgage loans or refinancing for primary residences. Not all applicants will qualify. Loan approvals, amounts and terms are subject to individual qualifications, lender guidelines and market conditions. Programs are subject to change without notice. Owner is a licensed Realtor in Georgia. All purchases are for personal investment and for profit. In these transactions, OnPurpose Real Estate Solutions is acting as a principal investor, not as a brokerage or agent representing clients. Licensed brokerage partners may be referred where required by law. Credit programs are provided for educational purposes only. OnPurpose Real Estate Solutions does not guarantee credit score improvement or funding approval as a result of participation in credit education services. Foreclosure and tax lien solutions may include direct property purchases or alternative strategies. OnPurpose Real Estate Solutions does not provide legal or tax advice; clients should see independent legal/tax counsel. OnAutomate Edge and related automation tools are designed to support marketing and business efficiency. Results vary depending on individual use, setup and industry conditions. No guarantee of results. Past performance, case studies or examples provided does not guarantee future results. All investments and funding carry risk. By using this website, you agree to be bound by our Terms and Conditions and Privacy Policy above. The use of this website does not constitute an application for a mortgage loan or an offer by OnPurpose Real Estate Solutions LLC to lend.