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 Loans 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

  • Horizontal and vertical loans available
  • Streamlined draw process to keep your project moving and cash flowing
  • Single spot-lot infill as well as full plat development loans available
Construction Loans A-Z
Mastering End Values

DSCR Rental Loans

DSCR Rental Loans

  • Purchases and Cash Out Refinances
  • Approval is based on the property’s cash flow, not the investor’s income or tax returns
  • "DSCR": Debt Service Coverage Ratio
  • Designed for both long-term and short-term rental properties
Cash Out Rental Loans
DSCR Loans A-Z
Calculating DSCR Ratios

Fix and Flip

Fix and Flip

  • Close Quick: Get funding fast so you can secure deals before the competition.
  • We finance both purchase and renovations
  • No Income Verification: Approval based on the deal, not your W-2s or tax returns.
  • Renovation funds don't accrue interest until drawn upon
Flip Loans A-Z

Multifamily Loans

Multifamily Loans

  • Value-add acquisition loans that convert into long-term rate and term programs available
  • Long-Term and Short-Term Multifamily Loans
  • 2-4, 5-10 and 10+ unit loans available
  • Renovation funds able to be built into loan
Multifamily Loans
Understanding Cap Rates and Value Add Multifamily Strategies

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 1,300 funded loans, 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.

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*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.