Get your financing DIALED!

Real Estate Funding — Simplified!

We are California's premier private credit lender. Utilizing best-in-class technology, we deliver pre-approval in just moments. Our streamlined process can take you from underwriting to funding in just 3 days. Want to discover how simple it can be? Start by chatting with the loan expert below and experience the ease of our proprietary loan process.

DialAI

Ask, Apply, Get Pre-Approved



Use Dial AI to explore our loan products, start your application, and get fast pre-approval guidance—all in one place. Tell us about your property, timeline, and goals, and Dial AI will help match you with the right program and connect you with a loan expert when you’re ready.

DialCORE

Modern Tools. Faster Deals.

Fix & Flip


Fast, flexible capital to buy, renovate, and resell—with AI-assisted approvals and quick draws.


Starting at 8.99% | Up to 90% LTC | 6–12 mo

Flip it with Dial →

Business Flex Loan


Acquire or refinance and roll key expenses into one DSCR-based, business-purpose mortgage


Starting at 9.99% | Up to 75% LTV | 12–24 mo

Try Flex →

Bridge Capital


Event-driven bridge capital with interest-only terms, cross-collateral options, and a defined exit.


Starting at 10.49% | Up to 70% LTV | 6–24 mo

Bridge it fast →

DialHYBRID & ENTERPRISE

Discover the platforms that set Dial apart.


DialHYBRID

Debt + Equity, unified for higher leverage.

A single structure that pairs senior debt with performance-based upside. Ideal when conventional leverage stops short and you still want sponsor control.

Explore Dial Hybrid →

DialENTERPRISE

Creative capital for sophisticated operators

For sponsors with multi-asset platforms, large capital needs, or complex structures. Access credit, capital markets, and crypto-aware solutions—executed with Dial-level speed.

Explore Dial Enterprise →

The Dial

Difference

Modern tools. Smarter structures. Faster closes. That’s the Dial Difference.

Speed Without Short Cuts

Streamlined intake, instant data pulls, and rapid underwriting mean you can move from application to funding in days, not weeks.

Clear, Simple Experince

Transparent communication and upfront numbers eliminate surprises, so you always know where your deal stands.


Tech and Expertise

We pair seasoned lending professionals with powerful market, title, and income verification tools to deliver precise, reliable pre-approvals.

Customer Focused Terms

Our programs are designed to meet business needs, with flexible structures and competitive rates tailored to investment strategies.

Dial Lending at a Glance


Modern Capital for Real Estate

We’re a private credit firm focused on serving real estate entrepreneurs who need more than off-the-shelf debt. From straightforward bridge loans to structured hybrid solutions, our platform is designed to move quickly, solve around constraints, and keep your business plan on track


Learn more about Dial →

Dial Lending FAQs

Straight answers to how we lend, who we serve, and how to start.

  • 1. What is Dial Lending?

    Dial Lending is a tech-enabled, business-purpose lender for real estate investors, developers, and operators. We focus on structured capital—fix-and-flip, DSCR-style, bridge, hybrid debt + equity, and institutional executions.

  • 2. Do you offer owner-occupied or consumer home loans?

    No traditional consumer mortgages. All Dial Lending programs are business-purpose only. In some cases, we can lend where a primary residence is involved if proceeds are strictly used for business purposes and funds are disbursed to a business account, subject to underwriting and regulations.

  • 3. What types of loans does Dial Lending offer?

    We offer:

    • Fix-and-flip / renovation capital
    • Business-purpose and DSCR-style loans for rentals and portfolios
    • Event-driven and cross-collateralized bridge loans
    • Dial Hybrid (combined debt + equity structures)
    • Dial Enterprise (portfolio facilities, advisory, and institutional capital)
    • Short Term Rentals (STR) 

    Don’t see your structure here? We regularly design custom, business-purpose facilities—send us the deal and we’ll tell you quickly if it fits

  • 4. Who is a good fit for Dial Lending?

    Active investors, sponsors, developers, portfolio owners, and businesses using real estate or revenue-backed assets who care about execution, speed, and structured capital—not generic retail lending.

  • 5. How fast can you close?

    Straightforward deals in our core programs can often close in days once we have a complete file and required third-party items. More complex, hybrid, or institutional structures typically take longer. We set timelines with you up front and hold to what we quote—not marketing headlines 

  • 6. What does “DSCR-friendly” mean?

    We underwrite primarily to Debt Service Coverage Ratio and cash flow, with terms structured for landlords and operators rather than consumer DTI metrics—especially relevant for rentals, portfolios, and business-purpose mortgages.

  • 7. How do I start?

    Use Dial AI to check fit and route your request, or send a short deal summary through our form. We’ll size the opportunity, indicate product fit, and move to terms if it aligns.

Bring us your next deal.

We’ll size it quickly and show you where it fits across Dial Core, Hybrid, or Enterprise.

Send us A message