Strategic Capital Solutions

Real estate and business financing
from application to close

On Top Funding provides structured financing for real estate investors and business owners. From fix-and-flip loans to working capital, we match your deal with the right capital source.

🏠 Real Estate Capital 💼 Business Capital
10+
Years in Business
15+
Financing Products
50
States Served
100+
Capital Partners
How It Works

From Application to Funding

A clear, structured process designed to move your deal forward efficiently.

1

Apply

Submit your financing request through our secure application. Tell us about your deal or business need.

2

Review

Our team evaluates your request, identifies the right capital sources, and structures the best terms available.

3

Approve

Receive your term sheet with clear conditions. We walk you through every detail before you commit.

4

Fund

Close with confidence. We coordinate with all parties to ensure a smooth, timely closing.

What We Finance

Two Paths. One Strategic Partner.

Whether you are acquiring real estate or growing a business, we have the capital solution.

🏗

Real Estate Capital

Financing built for investors. From acquisition through stabilization.

  • ✓ Fix and Flip Loans
  • ✓ Bridge Loans
  • ✓ DSCR / Rental Loans
  • ✓ New Construction
  • ✓ Commercial Real Estate
Apply for RE Capital →
📈

Business Capital

Working capital, equipment, SBA, and alternative financing for growing businesses.

  • ✓ SBA Loans
  • ✓ Equipment Financing
  • ✓ Working Capital / MCA
  • ✓ Accounts Receivable
  • ✓ Debt Restructuring
Apply for Business Capital →
Why On Top Funding

Built by Investors for Investors and Business Owners

🎯

Strategic Advisory

We are not a transactional broker. We structure deals and advise on capital strategy to get you the best outcome.

🔍

Underwriting Discipline

Every deal is evaluated against clear criteria. No surprises at closing. No wasted time on deals that will not fund.

📊

Broad Capital Access

We maintain relationships with institutional lenders, private capital sources, and alternative funders to match your deal precisely.

⏱

Speed and Clarity

Structured intake, fast pre-qualification, and transparent communication from application through funding.

🤝

Full-Service Firm

Real estate and business financing under one roof. One relationship for all your capital needs.

🔒

Compliance First

Transparent and built on integrity. We protect your interests at every stage of the process.

Client Results

What Our Clients Say

Real outcomes from real estate investors and business owners we have worked with.

★★★★★
"Their communication was consistent, the process was smooth, and they closed exactly as promised without delays or surprises. That level of execution is critical in this business."
Marlene & Jason Harvey
PWG Properties, LLC
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Testimonial placeholder. Client quote, name, and title will be added here.
Common Questions

Frequently Asked Questions

What types of real estate loans do you offer?+
We provide fix-and-flip loans, bridge loans, DSCR rental loans, new construction financing, and commercial real estate loans. Each product is structured for a specific investment strategy, and we help you identify the right fit based on your deal specifics.
Do you also offer business financing?+
Yes. In addition to real estate capital, we offer SBA loans, equipment financing, working capital, accounts receivable financing, merchant cash advances, debt restructuring, and several other business funding solutions.
How long does the process take?+
Timelines vary by product. Fix-and-flip and bridge loans can close in as few as 7 to 14 business days. DSCR loans on 1-4 family properties can close in as few as 21 days, while larger commercial projects may take up to 45 days. Business financing ranges from same-day funding for working capital to 30 to 60 days for SBA loans.
What do I need to apply?+
For real estate: property details, purchase price, rehab budget (if applicable), experience level, and credit profile. For business financing: business name, time in business, annual revenue, credit range, and intended use of funds. Our application walks you through everything needed.
What states do you operate in?+
We serve borrowers in all 50 states. Certain products may have geographic restrictions based on lender requirements. Our team will confirm eligibility during the pre-qualification stage.
Is On Top Funding a lender or a broker?+
On Top Funding is a full-service commercial lending firm. We act as a strategic advisor, structuring deals and matching borrowers with the right capital source from our network of institutional lenders, private capital providers, and alternative funders.

Ready to Get Started?

Tell us about your financing need and our team will respond within one business day.

Apply Now →

This is not an offer to lend. All credit is subject to due diligence, underwriting, and approval. Terms may change without notice. On Top Funding is a commercial lending advisory firm. Equal opportunity lender. NMLS information available upon request.

On Top Funding is a full-service commercial lending advisory firm providing structured financing for real estate investors and business owners nationwide.

Contact

(469) 737-0027

[email protected]

Ontopfunding.com is operated by On Top Funding, LLC. This is not an offer to lend. All offers of credit are subject to due diligence, underwriting, and approval. Not all borrowers will qualify. Actual rates and terms depend on a variety of factors and are subject to change without notice.

© 2025 On Top Funding, LLC. All Rights Reserved.

CONNECT WITH ON TOP FUNDING

CONTACT US

(469) 737-0027

Ontopfunding.com is a website operated by On Top Funding, LLC. By accessing this site and any pages thereof, you agree to be bound by our terms of use and privacy policy. The use of this website does not constitute an application for a mortgage loan or an offer by On Top Funding, LLC to lend.

This is not an offer to lend. All offers of credit are subject to due diligence, underwriting and approval. Not all borrowers will qualify and not all borrowers that qualify will receive the lowest rate or best terms. Actual rates and terms depend on a variety of factors and are subject to change without notice.

©2024 On Top Funding, LLC. All Rights Reserved.