WHAT WE DO

Cetan Funds enables small businesses, home builders, commercial contractors, residential investors and boutique developers in Oregon to finance real estate projects quickly and smartly.

 

We take a common sense, personalized approach to lending that we call the Cetan Funds Advantage.

HOW WE WORK

We invite borrower collaboration: together we design a loan solution that is right for the situation. We bring our extensive local market experience in lending and real estate development to our decisions. We work fast – once approved, borrowers typically receive funds within 10 days.

 

A Cetan Funds loan is a relationship and not just a one-way business transaction. Once funded, you can always contact one of our founders for advice, to discuss new opportunities, or to help solve unexpected challenges.

SMART LOAN PRODUCTS

Loans are short term and designed to give borrowers the ability to achieve their financial goals.  They are ideal for speculative investments or interim financing for long-term investments.  Rates typically range from 10 – 15%, loan fees of 3 – 4%, and terms of 6 – 30 months. Longer terms and extensions may be available.  All loans are for investment or business purpose, secured by residential and commercial property.

 

We are fair – only charging interest on the greater of the outstanding balance or the construction draw schedule. This saves borrowers money, as many private lenders charge on the full loan commitment at closing. We monitor construction and project progress ourselves. We are creative and flexible in our loan proposals.

 

Review our loan products below and contact us today using the web inquiry forms. That will tell us the basics of what you want to do. One of our principals will then reach out to you to see how we can help.

Residential Construction

Custom construction and bridge financing (6 – 18 months) to contractors and investors for speculative and pre-sold residential real estate projects. These loans can finance up to 100% of the project costs and up to 80% of the completed property value. The perfect loan for spec home construction or a residential investment that needs to be renovated. 

Start Inquiry »

Residential & Commercial Term Loans

Flexible short term (30 – 36 months) financing to residential and commercial real estate investors, as well as small businesses, for real estate acquisition, development and income producing properties. An ideal loan for projects with loan-to-values up to 80% that need interim financing for stabilization or occupancy to qualify for long term conventional financing. 

Start Inquiry »

Fix & Flip Rehab Loans

Acquisition and construction financing (6 – 12 months) to real estate investors for speculative fix and flip rehab projects. These loans can finance up to 95% of the project costs and up to 80% of the completed property value. A perfect fit for acquiring a distressed, foreclosed or estate property.

Start Inquiry »

Commercial Construction Loans

Short term construction financing (9 – 18 months) to small businesses, developers and investors secured by commercial property. These loans will finance up to 100% of the project costs and up to 80% of the as complete or as stabilized value. These loans are ideal for situations in which a property needs improvements prior to occupancy and qualifying for conventional financing.

Start Inquiry »

Land Acquisition & Development

Short term bridge and construction financing (9 – 15 months) to developers for speculative land acquisition or development projects. We typically advance up to 90% of the as is value or up to 65% of the as complete value. This structure works well for holding lots until construction or development begins or for cluster subdivisions, or other small development projects.

Start Inquiry »

Other Real Estate Secured Loans

If you have a project in mind that isn’t addressed by our standard loan products, use the Loan Inquiry form to tell us about what you have in mind. If we can’t help, we know of many sources that may be able to finance your project and will enjoy helping you identify the steps to achieving your financial goals.

Start Inquiry »

Residential Construction

Custom construction and bridge financing (6 – 18 months) to contractors and investors for speculative and pre-sold residential real estate projects. These loans can finance up to 100% of the project costs and up to 80% of the completed property value. The perfect loan for spec home construction or a residential investment that needs to be renovated. 

Start Inquiry »

Residential & Commercial Term Loans

Flexible short term (30 – 36 months) financing to residential and commercial real estate investors, as well as small businesses, for real estate acquisition, development and income producing properties. An ideal loan for projects with loan-to-values up to 80% that need interim financing for stabilization or occupancy to qualify for long term conventional financing. 

Start Inquiry »

Fix & Flip Rehab Loans

Acquisition and construction financing (6 – 12 months) to real estate investors for speculative fix and flip rehab projects. These loans can finance up to 95% of the project costs and up to 80% of the completed property value. A perfect fit for acquiring a distressed, foreclosed or estate property.

Start Inquiry »

Commercial Construction Loans

Short term construction financing (9 – 18 months) to small businesses, developers and investors secured by commercial property. These loans will finance up to 100% of the project costs and up to 80% of the as complete or as stabilized value. These loans are ideal for situations in which a property needs improvements prior to occupancy and qualifying for conventional financing.

Start Inquiry »

Land Acquisition & Development

Short term bridge and construction financing (9 – 15 months) to developers for speculative land acquisition or development projects. We typically advance up to 90% of the as is value or up to 65% of the as complete value. This structure works well for holding lots until construction or development begins or for cluster subdivisions, or other small development projects.

Start Inquiry »

Other Real Estate Secured Loans

If you have a project in mind that isn’t addressed by our standard loan products, use the Loan Inquiry form to tell us about what you have in mind. If we can’t help, we know of many sources that may be able to finance your project and will enjoy helping you identify the steps to achieving your financial goals.

Start Inquiry »

Residential Construction

Custom construction and bridge financing (6 – 18 months) to contractors and investors for speculative and pre-sold residential real estate projects. These loans can finance up to 100% of the project costs and up to 80% of the completed property value. The perfect loan for spec home construction or a residential investment that needs to be renovated. 

Start Inquiry »

Residential & Commercial Term Loans

Flexible short term (30 – 36 months) financing to residential and commercial real estate investors, as well as small businesses, for real estate acquisition, development and income producing properties. An ideal loan for projects with loan-to-values up to 80% that need interim financing for stabilization or occupancy to qualify for long term conventional financing. 

Start Inquiry »

Fix & Flip Rehab Loans

Acquisition and construction financing (6 – 12 months) to real estate investors for speculative fix and flip rehab projects. These loans can finance up to 95% of the project costs and up to 80% of the completed property value. A perfect fit for acquiring a distressed, foreclosed or estate property.

Start Inquiry »

Commercial Construction Loans

Short term construction financing (9 – 18 months) to small businesses, developers and investors secured by commercial property. These loans will finance up to 100% of the project costs and up to 80% of the as complete or as stabilized value. These loans are ideal for situations in which a property needs improvements prior to occupancy and qualifying for conventional financing.

Start Inquiry »

Land Acquisition & Development

Short term bridge and construction financing (9 – 15 months) to developers for speculative land acquisition or development projects. We typically advance up to 90% of the as is value or up to 65% of the as complete value. This structure works well for holding lots until construction or development begins or for cluster subdivisions, or other small development projects.

Start Inquiry »

Other Real Estate Secured Loans

If you have a project in mind that isn’t addressed by our standard loan products, use the Loan Inquiry form to tell us about what you have in mind. If we can’t help, we know of many sources that may be able to finance your project and will enjoy helping you identify the steps to achieving your financial goals.

Start Inquiry »