You FoundThe Deal.We'll Fund It.
Hard money loans for fix & flip, rental, and ground-up construction. $75K–$4M. Decisions in hours. Funding in days.
- Loan Range
- $75K – $4M
- LTC Available
- Up to 90%
- In Business
- Since 2007
- Lending Footprint
- Nationwide
- 250+
- Deals Funded
- $180M+
- Volume Deployed
- 45
- States Active
- 25+
- Years Experience
Capital For Every Strategy.
Fix & Flip
Acquire, renovate, sell.
Short-term bridge capital to buy and renovate residential and commercial investment properties. Fast closings. No seasoning requirements.
Rental Loans
Build long-term cash flow.
DSCR-based financing for stabilized rental properties. Hold your portfolio with 30-year fixed or ARM options. No income verification required.
Ground-Up Construction
Build from the ground up.
Construction financing for experienced developers building new residential or mixed-use projects. Draw-based funding tied to project milestones.
One Lender. Three Ways We're Different.
First Call. Your Approval.
“Bob goes to bat for you live, on the first call.”
Most lenders take your application and disappear. Bob takes your call, gets your approval right then and there
Your First Deal Deserves More Than a Loan Officer. It Deserves A Partner.
“We don't just lend to beginners. We guide them.”
Most lenders want your paperwork. Bob wants to understand your situation. If you're new, he'll help you figure out if the deal makes sense before you ever sign anything.
Experienced Investors Get Fast Decisions. No Exceptions.
“We move as fast as you do.”
Experienced investors don't have time for committees and callbacks. Bob reviews your deal, knows what it needs, and moves. Track record matters here, and it works in your favor.
Principal · Westlend Funding
Founded 2007 · 25+ Years in Lending
When you call Westlend, you get Bob.
Bob Forbes founded Westlend Funding in 2007 with one goal: give real estate investors access to the same quality of deal review they'd get from a seasoned partner, not a faceless loan department.
With 25+ years in private lending, Bob has personally structured and closed hundreds of transactions across fix & flip, rental, and ground-up construction, from Atlanta suburbs to markets across the country. He understands the numbers, the timelines, and the pressure of a competitive acquisition.
Straight Answers, From Bob.
DSCR Loans Explained: The Complete Guide for Rental Investors
How a DSCR loan qualifies against the property's rent instead of your tax returns, how to calculate your ratio before you apply, and what actually moves the number.
The True Cost of a Hard Money Loan: Rates, Points, and Fees
Rate, points, and fees each pull cost in a different direction depending on your term. Here is how to actually compare two quotes instead of chasing the lowest headline rate.
Hard Money Loans in Atlanta: What Investors Need to Know
What makes the metro Atlanta market different for fix & flip and rental investors, and why working with a local, Atlanta-based lender actually matters.
Before You Call.
What is a hard money loan?
A hard money loan is short-term financing secured by real estate rather than your income or credit history alone. Westlend underwrites based on the deal (the property and your exit strategy), which is why decisions come faster than a conventional bank loan.
Hard Money Loans 101What credit score do I need to qualify?
Most Westlend programs require a minimum credit score of 660. Every deal is still reviewed individually. Call to discuss your specific scenario.
What states does Westlend lend in?
Westlend is based in the Atlanta metro area and lends nationwide, with active deals across 45 states.
How fast can Westlend close a loan?
Bob reviews the deal and gives you a decision within hours, with funding typically following in days rather than the weeks a conventional bank requires, especially with clear title and a completed appraisal.
What loan amounts does Westlend offer?
Loan sizes range from $75,000 to $4,000,000. Minimums vary by program: fix & flip and rental loans start at $75,000, and ground-up construction loans start at $200,000.
Compare loan programsDo I need to provide income documentation or tax returns for a rental loan?
No. Westlend's rental loan program uses DSCR-based underwriting, which qualifies the loan against the property's rental income rather than your personal income or tax returns.
DSCR rental loansAre Westlend's loans available for a primary residence?
No. All Westlend loans are made for investment or business purposes only and are not available for owner-occupied residential properties.
Who will I actually talk to when I call?
You'll talk to Bob Forbes directly. Westlend doesn't route calls through a loan department. Bob personally reviews and structures every deal.
Ready to Close Your Next Deal?
Submit a loan inquiry or call Bob directly. We respond fast because deals don't wait.
Atlanta, GA · Lending Nationwide · Founded 2007