Cetan (seet-n): the hawk spirit in
Lakota tradition signifying keen
vision, speed, loyalty

CETAN FUNDS

BUILD WEALTH THROUGH
REAL ESTATE

Cetan (seet-n): the hawk spirit in Lakota mythology signifying keen vision, speed, loyalty
Cetan Funds Planning

YOUR PRIVATE MONEY LENDER IN OREGON

The right private money lender makes all the difference. Cetan Funds is the partner you need to secure the proper funds for fix and flip projects, residential and commercial construction, and other real estate investments and construction projects. Our experience as a private money lender in Oregon makes the process of borrowing both simple and straightforward. 

Cetan Funds works with both borrowers and investors. Click the links below to learn more and get started.

About Cetan Funds

Cetan Funds is a real estate loan originator and private money lender in Oregon. We are based in Eugene and offer our services throughout the state for real estate developers, builders, and investors. Our team has over 40 years of local lending experience, as well as nearly 30 years of experience in local real estate development, giving us a unique perspective on the needs of professional borrowers in Oregon. 

As your preferred private money lender in Oregon, you can count on us to offer the guidance and support you need. We are committed to your success and forming a reliable, long-term partnership. As you pursue your goals now and in the future, Cetan Funds is here to help you succeed.

THE CETAN ADVANTAGE

The Cetan Advantage is what makes us stand out from any other private money lender in Oregon. We adhere to the following principles to ensure a positive experience for our clients:

Expertise

N

Leverage our 60+ years of lending and real estate development experience in Oregon to shape the right loan for you and get the help you need when you need it if your project hits a snag.

Partnership

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Build a relationship with us. We’re ready to be your long-term funding partner and help you with multiple projects. Count on us to be creative and responsive.

Efficiency

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Fast, in-house valuations. Get an underwriting answer in 2 – 4 days and fund it quickly — often as fast as 7 days. We value prompt response times and get you the answers you need as quickly as possible.

Flexibility

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Receive a loan tailored to your needs. As a private money lender, we know that projects change, so we adapt and provide loan terms that fit your situation.

Integrity

N
We’re with you every step of the way to ensure mutual success. We operate with a culture of transparency and fairness. We’ll always have your back.
Excellent
Based on 20 reviews
Melissa Brown
Melissa Brown
We recently completed our first development project and we’re so grateful to have found Cetan Funds! Zach Smith is a fantastic partner and I’m sure we’ll be working together again soon. All of their processes from underwriting, closing costs, draw issuance, to uses of contingency funds is very transparent and clear. Additionally, everything is geared towards the needs of a GC, common sense practices and quick turn around for stage approvals and draws to get subs paid. I never lost my timeline, which was frankly my biggest fear when evaluating lenders- many of which have cumbersome draw procedures that build in unnecessary delays. None of those hinderances with these guys. I’m so very grateful to have a successful project under my belt- I sincerely believe with another lending partner and the market changes we saw in 2023- I may not have been so fortunate. If you’re building or renovating in Oregon and need a good hard money lender- I recommend Zach Smith and Cetan Funds with the highest endorsement! Ryan Brown Dovetail Custom Homes
Chris Watkins
Chris Watkins
I had a great experience working with Zach and Mary at Cetan for a recent whole-home renovation project. They have a ton of local market expertise, are very upfront and communicative, quick with draw payments and excited to help investors close more deals. I'll be using them for all of my rehab and development projects moving forward.
Joe Jumalon
Joe Jumalon
Zach was great to work with and kept the process simple.
Todd Oliver
Todd Oliver
I have worked with Cetan Funds on two projects now and their service is impeccable. In a tight real estate market where multiple offers are being made and proof of funds is such an important aspect of an offer, their team has always provided a prompt and friendly response. Automatic withdrawal and no early repayment fees has made my experience even that much easier. Thanks to Zach and the team at Cetan Funds. Todd Oliver The House Whisperer LLC
Jake Payne
Jake Payne
My first experience with Cetan Funds was great. I worked one on one with Zach and he was a huge help during the process. I have already recommended them and plan to work with them again in the future.
D G
D G
We just closed a deal with Cetan Funds on August 9th, 2021. Their firm helped my client Mike secure a great duplex and solve some very challenging closing hurdles three days before signing. This deal wouldn't have been possible without Cetan Funds. Highly recommend Zach Smith to any investor, builder, house flipper, or developer - Thank you again!
Roy Patt
Roy Patt
I have done several deals with Cetan Funds (my rep is Zach Smith) as well as referred clients to them. My experience as well as my clients has always been top notch. The way they structure their loans, and the amount they lend and flexibility they offer in length and terms is the best I have found. But that is not even the best reason to work with them. They respond right away to any and all questions with informative and accurate information. They do what they say they are going to do and when they say it will be done. Believe me when I tell you that is not always the case with other lenders. Lastly, they keep you posted on transactions all they way from beginning to end. I highly recommend them. Roy Patt. Keller Williams Realty Umpqua Valley.
Layne Bouche'
Layne Bouche'
Cetan Funds was great to work with from start to finish. Great communication and easy terms. If we flip another one in Portland we will definitely use Zach again!
Loren Henderson
Loren Henderson
Zach was great to work with. He was very helpful answering my many questions and the whole thing went off without a hitch. They made it simple to understand the loan process and the communication was great. I will definitely work with Cetan Funds and Zach in the future.
Rodney Rush
Rodney Rush
Zach and Cetan Funds were great to work with, they were efficient and it allowed me to complete a great project.

The Team

MARY MERRIMAN

MARY MERRIMAN

Principal & CEO

ZACH SMITH

ZACH SMITH

Principal & Senior Lender

KIM VOORHIES

KIM VOORHIES

Associate & Office Administrator

LEAH MORTENSEN

LEAH MORTENSEN

Lending Specialist

FOR BORROWERS

Cetan Funds enables real estate investors, developers, home builders, small businesses and contractors to finance projects quickly and flexibly. We offer loans that are ideal for residential and commercial construction, fix and flip projects, and more.

FOR INVESTORS

Are you interested in stable, consistent income with a relatively low-risk investment profile? Since our launch in 2017, our average annualized investor return has ranged from 8 – 10%. Click the link below to learn why Cetan Income Fund is a highly sought-after real estate debt fund investment.

Cetan Funds is a Proud Member of

FOR BORROWERS

Cetan Funds enables real estate investors, developers, home builders, small businesses and contractors to finance projects quickly and flexibly. We offer loans that are ideal for residential and commercial construction, fix and flip projects, and more.

FOR INVESTORS

Are you interested in stable, consistent income with a relatively low-risk investment profile? Since our launch in 2017, our average annualized investor return has ranged from 8 – 10%. Click the link below to learn why Cetan Income Fund is a highly sought-after real estate debt fund investment.

Cetan Funds is a Proud Member of

CONTACT US

Start your inquiry by filling out our contact form or call us directly at (458) 215-3200.

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