Private Direct Lender · Rhode Island

Fast & Flexible
Real Estate Loans

Manning Capital Lending is your trusted private lending partner for real estate acquisitions, fix-and-flip projects, new construction, and refinancing — with closings in as few as 5 business days.

5
Day Closings
$10M
Max Loan Size
0
Min. FICO
48
States Served
Fast Closing
As quick as 5 business days
💰
Competitive Rates
Starting at 9% — transparent fees
📋
Minimal Docs
No tax returns, W-2s, or bank statements
🤝
Dedicated Support
Direct contact from day one to closing
Loan Programs

Financing for Every
Stage of Your Deal

Asset-based lending means we evaluate the property, not just your credit profile. Our programs are designed for speed, flexibility, and results.

01
🔨
Fix & Flip

Short-term capital to acquire and renovate residential properties. We fund the purchase and the rehab — so you can move fast on deals that require speed.

12–18 Mo Terms Up to 90% LTC Fast Close
02
🏗️
New Construction

Ground-up construction loans for single-family, multi-family, and mixed-use projects. Draw schedules aligned with project milestones — never waiting on capital.

Up to $10M Draw Schedules All Property Types
03
🌉
Bridge Loans

Bridge the gap between your immediate capital need and long-term financing. Ideal for acquisitions, time-sensitive opportunities, or stabilizing a property pre-refi.

6–24 Mo Terms No Prepay Penalty Fast Approval
04
🏠
Acquisition Loans

Move confidently and quickly when the right property becomes available. Acquisition financing with in-house underwriting that eliminates unnecessary delays.

$50K – $10M 5-Day Close Asset-Based
05
🔄
Refinance & Cash-Out

Unlock equity in existing properties to fund your next project. Whether rate-and-term or cash-out, we deliver flexible refinance solutions without the bureaucratic delays.

Cash-Out Available No Income Req. Quick Process
06
🏢
Commercial

Retail, office, mixed-use, and light industrial properties. Our commercial lending team understands the nuances of income-producing assets and structures deals accordingly.

Mixed-Use Multi-Family Retail & Office

Simple, Transparent
Loan Guidelines

We are asset-based direct lenders. That means the property is the primary consideration — not your tax returns or credit history. Our streamlined process requires only what's truly necessary.

Start Your Application
Loan Purpose
Acquisition, Refinance, Fix & Flip, Construction
Loan Amounts
$50,000 – $10,000,000
Loan Terms
12 – 24 Months
No prepayment penalty
FICO Score
No Minimum Required
Soft pull initially
Property Types
SFR, Multi-Family, Condos, Commercial
Closing Time
As Fast as 5 Business Days
Subject to clear title
Documentation
ID, Entity Docs, Property Insurance
Streamlined process
Rates
Starting at 9%
Competitive & transparent
How It Works

From Application
to Closing in Days

1
Submit Your Deal

Share basic property info — address, purchase price, and construction budget if applicable. Takes under 5 minutes.

2
Get a Decision

Our in-house team reviews your scenario quickly. No waiting on committees or third-party approvals.

3
Term Sheet Issued

Receive a clear, transparent term sheet with rate, fees, and timeline — no surprises at closing.

4
Close Your Deal

With title cleared, we close in as few as 5 business days. Funds wired directly — time to execute.

Client Experiences

What Borrowers
Are Saying

★★★★★

"Manning Capital was fast, professional, and completely transparent from day one. I've closed four deals with them and they beat every other lender I've ever worked with on speed and service."

Jerome J. · Fix & Flip · Providence, RI
★★★★★

"The honesty and responsiveness of this team is unmatched. No hidden fees, no runaround. Manning Capital is the only lender I call for my real estate projects."

Isaiah F. · New Construction · Boston, MA
★★★★★

"I was skeptical a private lender could close this fast. They proved me wrong — funded in 6 days. The dedicated point-of-contact made all the difference. Already on my second deal."

Dean K. · Bridge Loan · Warwick, RI

Apply for a Loan
in Minutes

Tell us about your deal. Our team reviews every submission personally and responds quickly — no automated runaround, no lengthy intake forms. Just a real conversation about your project.

Or call us directly
(401) 886-9240
Monday – Friday, 9am – 5pm ET

Loan Application

By submitting you agree to receive communications from Manning Capital Lending regarding your application. This is not a commitment to lend. All loans subject to underwriting approval.

Ready to Close Your
Next Deal Fast?

Apply Now → Call (401) 886-9240