We were just getting ready to break ground on our third home build and wanted a lender who understood the process from start to finish. Pillar came highly recommended from our mortgage friend, and they didn’t disappoint. From day one, they helped us organize our budget, reviewed the builder’s scope, and answered all our questions. The loan process was fast and straightforward, and we had funding in place right on schedule. It made all the difference having a lending partner who actually knows construction.
Todd and Jill - Colorado Springs Co
We did a fix and flip loan with Pillar, and the experience was really good from start to finish. Their team truly understands the challenges investors face with tight timelines and budgets. From the first call, they reviewed our scope of work, structured the draw schedule, and ensured everything was lined up before closing. The process was quick, transparent, and far less stressful than with other lenders we’ve used. We’ll definitely work with Pillar again on our next deal.
Lauren and Jason - Tampa, Fl
Pillar Lending made our DSCR rental loan experience outstanding. The team was attentive, professional, and always quick to respond, which gave us total confidence throughout the process. They understood the unique challenges of investment property financing and structured our loan in a way that maximized our cash flow and long-term goals. Compared to other lenders we’ve used, Pillar’s service and execution were on another level. We’re starting a cash out rental loan on another one of our properties now with them.
Jonathan McD - Hurst Tx
We needed to close on 3 single family homes; we were renovating all 3 and keeping one, selling the other 2. The seller was only willing to sell all 3 if it was a quick cash closing, so we reached out to Pillar and team, and within 24 hours they had term sheets to us. Surprisingly competitive pricing – we’ve done a lot of private and hard money loans. Closed on time, I can definitely recommend.
John S - Bellevue Wa

What types of loans do we offer?

Ground Up Construction

Ground Up Construction

  • Flexible Draws: Streamlined draw process to keep your project moving and cash flowing.
  • Build Without the Red Tape: No tax returns or income docs—just a solid plan and exit strategy.
  • Custom Loan Structures: Tailored terms to fit your timeline, project scope, and resale or rental goals.
  • Investor-Focused: We're builders and lenders—so we get your vision and help you bring it to life.

DSCR Rental Loans

Rental Loans

  • Approval is based on the property’s cash flow (rent vs. mortgage payment), not the investor’s W-2s, tax returns, or pay stubs.
  • Investors can build larger portfolios since DSCR loans often have more flexible limits on the number of financed properties compared to conventional loans.
  • These loans allow borrowers to close in the name of an LLC or corporation, helping investors protect their personal liability and streamline tax benefits.
  • DSCR loans are designed for both long-term and short-term rental properties, making them versatile tools for investors focused on maximizing cash flow and appreciation.

Fix and Flip

Fix and Flip

  • Close Quick: Get funding fast so you can secure deals before the competition.
  • 100% of Rehab Costs: We finance both purchase and renovation—maximize your leverage.
  • No Income Verification: Approval based on the deal, not your W-2s or tax returns.
  • Flexible Exit Options: Sell, refinance, or hold—our loans are built to match your strategy.
  • Experienced Investor Support: Work with a team that understands the pace and pressure of flipping.

What sets us apart?

At Pillar Private Lending, our competitive advantage is simple: we keep our costs low and pass those savings directly to our borrowers.

Our team is designed for performance—streamlined operations with no unnecessary committees or red tape, just experienced loan originators and dedicated processors working together to earn every single loan we close.

With over 1,200 loans funded, we’re proud to be the partner you can count on when it matters most. Whether you need quick answers, detailed term sheets, or a fast close, our team is always ready to deliver.

At Pillar, you won’t find endless paperwork or unnecessary hurdles—just a dedicated team focused on delivering exceptional service and real savings on every loan.

  • Tell us how we can help you.

*Pillar Private Lending is a private lending institution that offers financial products, including fix-and-flip loans, ground-up construction loans, and cash-out refinances of investment properties. We are committed to providing clear and accurate information to help you make informed decisions about your lending needs.

All lending activities comply with federal and state regulations to ensure consumer protection.

For any questions about loan programs, requirements, or any other inquiries, please don’t hesitate to contact our friendly and knowledgeable team today. We look forward to getting you taken care of.