Constitution Lending

Constitution Lending is a direct private lender founded in 2019 that operates in the real estate debt space, offering accredited investors access to high-yield, short-duration bridge loans secured by residential and select commercial real estate. Unlike many real estate crowdfunding platforms that aggregate capital from investors, Constitution Lending is itself the lender — it underwrites, originates, and services all loans on its books, giving it direct operational control over deal quality. The platform targets loans in the $500K to $7.5M range, focusing primarily on fix-and-flip, rental property acquisition, and ground-up residential construction in U.S. major metros.

The platform has scaled meaningfully since launch. As of 2024, Constitution Lending has originated over $1 billion in total loan volume and reports a zero-default track record across its completed deals — a striking claim that is supported by the platform's conservative underwriting standards (typically 65–70% loan-to-value ratios) and first-lien senior secured position on all loans. For investors, deals are structured as debt participations with monthly interest payments ranging from 8% to 12% APY depending on deal risk and duration. Most loans run 6 to 18 months, which gives investors meaningfully faster capital recycling than typical real estate equity deals that lock capital for 5+ years. The platform's key structural advantage is its Borrower Payment Guarantee — Constitution Lending guarantees investor interest payments even if the underlying borrower is late or delinquent, effectively putting its own balance sheet on the line to smooth investor cash flow.