FUNDING YOUR NEXT PURCHASE
Flexible real estate loans for investors, flippers, and self-employed buyers.
Close fast, skip the red tape, and get funded without W-2s or tax returns.
Contact an Agent!
Email: loans@happyfunds.co
Construction Loans
Need funding for your next build or major renovation? Our construction and reno loans are designed to maximize leverage, minimize hassle, and keep your projects moving forward at full speed.
DSCR Loans
DSCR loans make it easy to qualify using your property’s income—not your personal finances. Perfect for investors looking to scale fast without the paperwork headache or traditional requirements.
Commercial Loans
Need funding for a commercial property? We offer flexible, asset-based loans for everything from retail and office to warehouses and mixed-use—with options tailored to your strategy and scale.
SBA Loans
SBA loans are perfect for small business owners who want big financing with low down payments and long terms. Buy real estate, fund growth, or even acquire another business—all with flexible criteria.
Construction and Renovation
Build smarter with flexible financing designed for real estate investors. Whether you’re starting from scratch or taking a property to the next level, our loan programs give you the leverage you need to move fast and stay in control.
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100% Construction Financing
Fund your entire build using the equity in land you already own — no need for upfront construction capital. -
Land = Leverage
If your lot meets the lender’s equity threshold, your out-of-pocket could be as low as 10% — and in some cases, nothing at all. -
Interest-Only Payments
Keep cash flow strong with interest-only terms during construction, freeing up funds for your next move. -
Flexible Exit Strategies
Sell, refi, or roll into long-term debt — tailor your exit to fit your goals.
DSCR Loans
DSCR loans are perfect for investors who want to qualify based on property performance—not personal paperwork. Fast, flexible, and built to scale, these loans keep your momentum going.
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No Income Verification
Approval is based on the property’s rental income—no W-2s, no tax returns, no problem. -
Flexible Structures
Available to individuals, LLCs, and trusts with credit scores as low as 620 and no cap on financed properties. -
Buy or Cash Out
Use DSCR loans for purchases or refis, including cash-out options to fuel your next deal. -
Investor-Friendly Terms
Competitive rates, interest-only options, and quick closings built for portfolio growth.
Commercial Loans
From retail storefronts to industrial warehouses, we offer flexible funding for a wide range of commercial properties. Whether you’re buying, refinancing, or adding value, we’ve got the right solution.
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Multiple Property Types
Finance office, retail, mixed-use, industrial, warehouse, and more—owner-occupied or investment. -
Custom Loan Structures
Loans from $500K to $20M+ with tailored terms, interest-only options, and fixed-rate flexibility. -
Asset-Based Underwriting
Qualify based on the property’s income, not just your own—ideal for investors and business owners alike. -
Strategic Loan Programs
Choose from bridge, permanent, or value-add financing to match your commercial strategy.
SBA Loans
SBA loans are a powerful option for small business owners looking to buy, build, or grow with less out-of-pocket and better terms. Backed by the Small Business Administration, these loans make big moves more accessible.
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Low Down Payment
Get started with as little as 10% down—freeing up cash for operations or growth. -
Long Terms, Low Rates
Benefit from below-market rates and repayment terms up to 25 years for real estate. -
All-in-One Financing
Fund real estate, renovations, equipment, and working capital—all in a single loan. -
Startup & Acquisition Friendly
Flexible underwriting makes it easier for new businesses or first-time buyers to qualify.
Submit Your Property & Let Us Do the Rest
Got a deal? Send it our way and we’ll take it from there. We’ll run the numbers, find the best loan for the strategy, and handle the heavy lifting—so you can stay focused on closing and cashflow.
A Partner You Can Trust
We get it—trust matters when it comes to funding your next deal. That’s why we’re upfront, responsive, and obsessed with getting you to the closing table without the runaround. Real investors, real results, no smoke and mirrors.
No Hidden Fees
What you see is what you get—no hidden fees, surprise charges, or fine-print tricks. We believe in full transparency, so you always know exactly what you’re paying for and why.
Fast Funding
Speed matters in real estate, and we don’t waste time. With streamlined approvals and investor-friendly programs, we move fast—so you can get funded and close before the competition blinks.
Long Term Partners
We’re not just here for one deal—we’re here for the long haul. Whether you’re on deal #1 or #100, Happy Funds is your trusted partner for scaling, refinancing, and building lasting wealth.
Start Funding Today
Ready to make your next move? Send us your deal and let’s get you funded—fast, simple, and stress-free. Your next opportunity starts with Happy Funds.
DISCLAIMER: Happy Funds, LLC is a Florida-based company that provides financing for business-purpose, non-owner-occupied real estate. We are not licensed in the following states: Arizona, California, Idaho, Illinois, Michigan, Minnesota, New Jersey, Nevada, North Carolina, North Dakota, Oregon, South Dakota, Utah, Vermont, and Virginia. We are either licensed or exempt from licensing in all other states. All loan programs are intended solely for investment or commercial use and not for personal, family, or household purposes. Loan terms, rates, and conditions are subject to borrower qualification, property location, loan product type, and deal structure, and may change without notice. This communication is for informational purposes only and does not constitute a commitment to lend or an offer of credit. Closing timelines begin upon receipt of required borrower documentation and appraisal payment and may be delayed by appraiser availability or property access issues in certain markets.