Fusion Private Lending

About Fusion Private Lending

Fusion Private Lending is a hard money lender offering loans across the US. They provide private commercial loans, private refinancing, and fix-and-flip loans. They issue loans with a maximum LTV of 80% and terms between 1 year and 3 years. They provide loans on most property types, including single family residences, multi family residences, apartment buildings, office buildings, retail spaces, storage facilities, and mixed use spaces.

Loan Types Offered: Fix and Flip Loans, Commercial Hard Money Loans, Refinance / Cash Out Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Storage, Mixed Use

Areas Served: National

Lending Guidelines for Fusion Private Lending

Below are the general loan guidelines published on the Fusion Private Lending website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by Fusion Private Lending.

Loan Example 1

Muriel is an investor in Sacramento, CA. She finds a run-down property and decides to remodel it and sell it for a profit. The house costs $330,000 but she doesn't have the full amount so she obtains a private money loan with Fusion Private Lending. The lender agrees to make a loan with a 65% loan-to-value (LTV) so they are willing to extend $214,500 on the property. The interest rate on the loan is 13% for a length of 18 months and the lender requires a four point origination fee at the closing. The interest payments are to be paid on a monthly basis and the principle will be repaid after the sale of the property.

In addition to paying the $8,580 origination fee, Muriel will also have to fund $115,500 of the purchase with her own funds, or 35% of the sales price. After the loan is closed and Muriel takes the property, she will need to begin making monthly payments of $2,324 to Fusion Private Lending ($214,500 principle x 13% / 12 months). At the expiration of the loan, she sells the renovated house for $412,500. After deducting the $41,828 in total interest payments ($2,324 multiplied times 18 months), the $8,580 origination fee, the $214,500 principle on the loan, and the $115,500 she brought to closing, she will earn a total profit of $32,093 ($412,500 price minus $380,408 in total costs). This profit would then be reduced by any renovation costs paid by Muriel.

Loan Example 2

Sidney takes out a hard money loan from Fusion Private Lending so he can renovate a townhouse to re-sell in Milwaukee, WI. The deal has the following parameters:

a) A $310,000 sales price, b) a 70% loan to value (LTV), c) a 6 month term, d) a 13% interest rate, and e) a 3% origination fee.

If Sidney achieves his goal of a $465,000 sales price, the numbers of the deal would be the following:

$465,000 sales price
- $217,000 loan principle (70% LTV)
- $93,000 down payment (30% on 70% LTV)
- $6,510 origination fee (3% of the $217,000 principle)
- $14,105 total interest paid (6 months x 13% interest)
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= $134,385 gross profit (doesn't include taxes or rehab costs)

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