Bridge and ground-up construction debt from $2M to $10M for serious commercial operators. We know your deal because we've done your deal. Underwriting reads the same on both sides of the table.
Most commercial loans get pushed through a desk where nobody has ever signed a personal guarantee, walked a job site, or sat across from a sponsor whose draw is late. That distance shows up in the term sheet, and you pay for it.
Bigger Funding is different by design. We own commercial real estate. We've taken the same loans we now place. When a deal hits our intake, we read it the way the borrower would read it, then we package it for the lender book the way a lender wants to see it.
The result is a faster screen, a tighter package, and a better answer. Sometimes that answer is "this is a great deal, here's where it should go." Sometimes it's "this won't price the way you think, here's why." Either way, you get an operator's read instead of a brokerage pitch.
We lead with what we know. Bridge debt for acquisitions and value-add, and ground-up construction debt for multifamily, industrial, self-storage, and mixed-use. Adjacent placements available through our lender network.
Short-term capital for acquisition, reposition, and the gap between today's basis and tomorrow's stabilized loan. Interest-only so cash flow is preserved during the work.
Draw-based financing for new construction across the asset classes we operate in. Sized to your hard and soft costs, structured around your build schedule, not a generic template.
Adjacent placements — bridge-to-perm, DSCR, permanent debt, mezzanine and preferred-equity referrals, recapitalizations. If your deal needs it and a credible lender in our book can do it, we'll get you there.
A quick intake form captures the basics: asset, basis, business plan, sponsor.
We screen, run the numbers as an owner would, and come back with a range you can act on.
Full model, narrative, and a lender-ready submission built from the way lenders want to read it.
Routed to the right capital sources from our lender book, then a term sheet for you to compare.
We coordinate appraisal, title, environmental, and feasibility through to the wire.
Our underwriting starts from the operator's view. We know what a leasing assumption is hiding, where a GC's contingency really lives, and which line item the lender is going to push back on before they push back.
Forty-plus active relationships across bridge funds, construction lenders, banks, credit unions, life companies, and DSCR shops. Each one mapped to its credit box so your file goes to the desk most likely to say yes.
Indicative terms in days, not weeks. We pre-screen aggressively so a deal we take on is a deal we expect to close. If we don't think a file will get done, we say so on day one.
We're the financing arm of an ecosystem you already know — the podcast, the community, the curriculum. The standards you've come to expect from Bigger Profits show up in every term sheet.
Bigger Funding is the capital arm of a much larger machine. Bigger Profits teaches operators to find and structure commercial deals. The Skool community puts them in the same room. And now Bigger Funding funds them.
Same standards. Same people. Same brand. The financing piece operators always needed, finally inside the house.
Origination points, exit fees, springing recourse, the cash-management trigger you didn't see on page nine. A walk-through using a real (anonymized) term sheet from this year.
The single biggest mistake we see at intake is sponsors asking for the wrong product. A simple framework, plus three deal scenarios where the obvious answer turned out wrong.
Repairs and replacement reserves, lease-up timing, exit cap rate, GC contingency, T&I assumptions. If you can pre-empt the pushback, you keep the leverage.
The intake takes about ten minutes. You'll hear back from a human, usually within 48 hours, with an honest read on whether it gets done and what it will probably cost.