Questions investors usually ask first.
A quick overview of how Pantheon thinks about loan types, geography, experience, process, and fit.
What kinds of loans does Pantheon make?
We primarily make short-term business-purpose residential real estate loans, including rehab/fix-and-flip loans, bridge loans, and selective new construction loans.
Do you only make fix-and-flip loans?
No. Rehab lending is a meaningful part of the business, but we also fund bridge loans, refinance bridges, cash-out situations, maturing debt solutions, and new construction loans for qualified investors and builders.
What loan sizes do you prefer?
Most loans fall between $100,000 and $1,000,000. Larger loans are considered based on the borrower, collateral, structure, and market.
What is your typical loan term?
Six months is standard for many loans. Extensions are considered when there is clear progress, adequate collateral support, and a practical reason for more time.
Where do you lend?
We are North Carolina based and have deep experience throughout the Southeast, especially the Carolinas. We are also open to strong residential loans in other markets where the borrower, collateral, and structure justify the loan.
Do borrowers need prior experience?
Experience matters, especially for heavier rehab and new construction. But we evaluate the whole loan. Conservative leverage, strong collateral, meaningful liquidity, and a clean project plan can be important compensating strengths.
How fast can you close?
Timing depends on the file, title, valuation, and complexity. Repeat borrowers and clean collateral move faster. New borrower loans generally require a direct conversation and normal closing work before funding.
How do draws work?
Rehab and construction funds are typically advanced through draws as work is completed. Our goal is to keep draws practical, clear, and responsive so the project keeps moving.
Are your rates the lowest in the market?
Not always, and that is not the only value proposition. Our borrowers tend to care about competitive pricing, but they also value certainty of close, direct access, clean process, and a lender who honors commitments.
What is the best way to start?
Submit the basic scenario: property address, project type, purchase price or value, loan request, rehab or construction budget, timeline, and your relevant experience. If it looks like a possible fit, we will respond directly.
Have a deal worth reviewing?
Use the inquiry page to send the basics.