Direct Lending
When speed and certainty matter, we fund it ourselves.
Clover originates short-term, first-lien bridge loans on investment real estate, with disciplined underwriting and closings in as few as 11 days.
Speed
Rapid loan sizing up front and 3–5 business-day approval after complete diligence.
Certainty of close
We fund from our own balance sheet — when we commit, we close. Closings in as few as 11 days.
Relationship-driven underwriting
We take the time to understand the sponsor and the project, then structure around the real risk.
Underwriting
What we lend on.
A clear box across loan types, asset status, and asset types. If your deal is close to the edge, ask — much of what we do starts with a conversation.
Loan Types
- Acquisition
- Refinance
- Repositioning
- Ground-Up Construction
- Renovation
- Condo Inventory
Asset Status
- Stabilized
- Transitional
- Distressed
Asset Types
- NOO Single-Family Residence
- Multifamily
- Condominium
- SFR Rental
- Office
- Retail
- Industrial
- NPLs
Structure
Short-duration, first-lien, built around the exit.
We lend on a short-term basis — typically up to a 12-month term with a 6-month extension option — in a first-lien position, structured around a clear exit (sale or refinance).
Specific pricing and advance rates are set deal-by-deal and shared in the conversation — they depend on the asset, the sponsor, and the structure. Bring us the opportunity and we'll size it quickly.
Direct Lending
Have a deal that needs to close?
Submit the basics and we'll size it fast, then lay out a clear path to funding.