Given Innovative Lending's  extensive experience in the financing process, our clients benefit greatly from our responsible method of striving to comprehend both the short-term and long-term financial and investment plans for a particular property before suggesting a structure for the projected financing.  We have creative ways to help you get the funding you need for your projects.

From loan closing and funding to mortgage processing and underwriting, Innovative Lending professionally and competently advances your transaction, all the while keeping you informed through every process milestone. We have no priority higher than each client on an individual level, and are therefore highly committed to establishing satisfying, enduring customer relationships. Given this fact, you can feel entirely secure that you will receive the highest quality service and attention. Contact us for a strategy session to see what funding option works best for you or click on the links below for more information.

Commercial Mortgages

Our Commercial Real Estate Finance Division focuses in the assignment of commercial mortgages over $1 million for office, retail, industrial, multi-family apartment buildings, and specialty properties. We organize equity involvement, construction loans, refinance loans, acquisition loans, and permanent financing for both owner-occupied and investment properties nationwide.

Innovative Lending differentiates itself in the commercial mortgage business with outstanding follow-up commitment. We quickly and smoothly resolve the inevitable difficulties that can arise through the various financing options and work with clients until completion of the project. From negotiating the fine points of a lender's desire to suspending monies needed for maintenance repairs to the positive resolution of a lender's concern over an existent environmental issue, Innovative Lending is your guide, your supporter, and the finder of resolutions to all your unexpected issues. Commercial Loan Portal to 750 Commercial Lenders. This commercial mortgage loan system is exactly what you need.  Seven hundred and fifty commercial lenders await your application. Simply input your needs and you will get a list of at least 20 lenders who  are interested in your deal. Submit your request today.

Home Mortgages

Our Residential Real Estate Finance Division takes great pride in our levels of both quality and service by offering a wide variety of loan products at the most competitive market rates. We work with many organizations and have no obligation to any particular lender or service provider. Therefore, we provide objective advice to present you with the best options possible for your needs and situation. We empower our vast clientele of borrowers with the unbiased facts necessary to make well-informed financial decisions.
​ Contact us today to discuss your loan needs and the various loan programs we offer.Submit your loan request

Whether you are looking to purchase or refinance Compare hundreds of loans all at once. See rates and fees right now or sign up to get notified as rates change. Start the loan process today

Manufactured Home Financing: (If eligible - Downpayment assistance may be available):  Get Started Now.

First Time Home Buyer Programs (Applies to anyone who has not had home ownership in the last 3 years) Why rent when you can own your home and have pride of ownership: The last couple of years we have seen the rents increasing in all areas of California. In almost all cases, you can purchase the home you want and the monthly payment will be less than rent on a comparable property. Request a Consultation

BorrowSmart program can provide up to $2,500 in down payment/closing cost assistance based on area median income (AMI) and other eligibility criteria. It may be used to cover 100% of funds needed to close. More information


This program allows first responders and PreK–12th grade teachers to save 50% on the list price of a HUD real estate owned (REO) property when purchased with FHA financing.​ This program allows first responders and PreK–12th grade teachers to save 50% on the list price of a HUD real estate owned (REO) property when purchased with FHA financing. Request More Information

Disaster Recovery Loan Options: When disaster strikes it is important for us to work together to help our customers' communities and provide them with the best options to help them rebuild. Get Started Now

203K Loans

If you've heard the term 203(k), FHA 203k, 203k loan or 203k renovation mortgage, then you're one step ahead of most Americans. This special product offering from HUD for fixing up housing stock has been around since the late 1970s, yet many real estate agents know nothing about it, and the public is in the dark. 

Even if you've heard of the 203k, you may not know much - if anything - about it. That's all okay. We're here to let you know what it means and how it can help home buyers (and even sellers!). What is the FHA 203k?

Down Payment Assistance

Get assistance with the down payment on the purchase of your home. Restrictions apply. Let us help you open the door to home ownership. CHECK YOUR ELIGIBILITY NOW

Business Funding

Private Money Lending: As a full-service Private Hard Money lender for real estate investors, we do most of the leg-work for you, while you build up your real estate portfolio and cash-flow all your deals. 

Whether it’s for wholesale, rehab, or buy and hold for long-term cash investment deals, we deliver fast and easy access to Private Hard Money.

We’re an equity-based lender which means we care more about the property’s merits, and don’t focus on poor credit, or some of the other factors conventional lenders use to rate the risk. Apply Here

Build your Business Credit: Maximize Business Credit Approvals by Following the 4 Bulletproof Steps in the Guide. Click here to download your free guide

Small Business Loans Made Easy: Ready to grow your business? It's free–prequalify without affecting your credit! Apply to multiple lenders with one application. Pick what you want to apply for and complete one, simple application — no matter how many lenders and products you choose. No repeating information. No wasting time. Click to apply​

ALTERNATIVE COMMERCIAL FUNDING: Alternative lending is a broad term used to describe the wide range of loan options available to consumers and business owners outside of a traditional bank loan. Submit your request for Alternative Commercial Funding

Term Loan Program: INVEST IN YOUR BUSINESS OR PAY OFF HIGH INTEREST DEBT: Are you paying more than 10% interest on your credit cards? Term Loans could help you save thousands. With low personal loan interest rates and a fixed monthly payment, you can get loans to pay off credit cards, pay off high interest debt, or make a major purchase. It only takes minutes to apply. Apply Here

Business Credit Program: Qualify for up to $250,000 in Business Capital Over $50 Million Funded Annually. Apply Here

Corporate Loans Service: For those that are looking for corporate real estate or business purpose financing, we have a consortium of select companies and individuals with expertise in a variety of funding environments. Each member of this group of professionals has been carefully selected for their expertise, knowledge and contacts with their specific niche markets. This elite group works as a team to find solutions for those in need of financing. We consult on a confidential basis and utilize each other's resources to insure the best possible chance of success. More Information

Get Credit for Your EIN that’s Not Linked to Your SSN: The Credit Suite Business Credit Builder helps you build your business credit (that’s not linked to your SSN) step by step using a proven, field tested, business owner approved, and highly personalized process. By using our user-friendly & intuitive software and the only full-service business credit adviser team in the industry, you’ll be guided every step of the way, simplifying your experience of obtaining business credit. Get more information

Learn how to more easily navigate your mortgage and other loan applications with transparency and increased speed, while building your financial profile to help you manage your finances and expedite future transactions. Get more information

Loan Programs & Resources; Download flyers & information on our various loan programs, down payment assistance & other home buyer programs. Download Files Now!

Send us your loan or project scenario: Get Pre-Approved before you look for your next project.