Private Capital.
Global Reach.
Real Results.
Equity-driven real estate financing from $30K to $900M. Term sheets in hours. Funding in days. No perfect credit required.
- Up to 90% LTV
- Foreign nationals & ITIN welcome
- Interest-only options
- No prepayment penalty
Serving the U.S., Canada & Mexico. Headquartered in Pompano Beach, FL 33062.
Lend International LLC is not your typical lender.
We specialize in making the U.S. mortgage process accessible and transparent for international and domestic clients. We take the subjectivity out of hard money lending. We'll tell you what will close and how to close it — and we'll get you there. Our loans are strictly driven by the equity in the subject property, not by a borrower's FICO score. We do all types of loans, including residential and commercial real estate loans that need creative approaches with aggressive investors to fund.
Our rates are some of the most reasonable in the current market. We look beyond what the commercial property and its business will produce after closing to give practical terms for the loan and help business owners meet their financial goals. The owner's credit is generally not a major factor in our decision-making. We adapt our loans to fit exactly into your financial situation.
With Lend International LLC, you don't need perfect credit to get a personal installment loan. Our friendly associates will work with you and take the time to understand your needs and your situation.
Direct capital. No middlemen. No games.
We are not a marketplace, referral mill, or soft-money front. We underwrite, approve and fund from our own balance sheet — in partnership with Leb & Sons LLC for global financing solutions.
Equity-Driven Underwriting
We lend on the asset. Approvals are driven by property equity — not by your FICO score.
Institutional Capital
Direct lender with committed institutional capital. No brokers. No referral chains.
Speed to Close
Term sheets in hours, funding in days. Close deals while others are still underwriting.
Flexible Terms
6-month to 30-year options. Interest-only, no prepayment penalty, and 100% purchase financing available.
No Perfect Credit
Low credit, past events, or thin U.S. credit files are welcome. We look forward, not backward.
Global Borrowers
Foreign nationals and ITIN borrowers financed across the U.S., Canada and Mexico.
Financing across every asset class.
From a single fix-and-flip to a nine-figure commercial acquisition — our loan programs are structured around your deal, not our template.
Residential & Investment
Single-family homes, condos, townhomes, and non-owner occupied investment properties.
- Fix & Flip
- Buy & Hold
- Cash-Out Refinance
- Bridge Loans
Commercial Real Estate
Office, retail, industrial, mixed-use, and special-purpose assets nationwide.
- Acquisition
- Refinance
- Value-Add
- Stabilized Assets
Multifamily (5+ Units)
Financing for apartment buildings, workforce housing and value-add multifamily.
- Acquisition
- Recapitalization
- Rehab
- Portfolio Loans
Ground-Up & Rehab Construction
Draw-based construction financing for developers and experienced sponsors.
- Ground-Up SFR
- Multifamily Dev
- Heavy Rehab
- Land + Vertical
International & Cross-Border
Financing for foreign nationals, ITIN borrowers and cross-border investors.
- U.S. Investments
- Canada
- Mexico
- Latin America
Bridge & Special Situations
Rapid-close bridge capital for time-sensitive acquisitions, refis and workouts.
- Note Purchase
- DIP / Workout
- Discounted Payoff
- 1031 Bridge
From scenario to funded — in days, not months.
A streamlined, transparent lending process designed for sponsors who need certainty of close.
Submit Scenario
Send us the deal — property, purchase price, use of funds and exit strategy.
Term Sheet in Hours
Receive a written term sheet in 3–6 hours, subject to standard diligence.
Underwriting & Valuation
Rapid third-party valuation and title. Institutional diligence without institutional delay.
Fund in 3–5 Days
Sign, wire, close. Capital deployed to your closing table in as little as 72 hours.
Terms structured to close deals.
Every loan is bespoke. Below is a snapshot of typical parameters across our private lending programs.
Every term, transparent from day one.
The parameters below define our lending programs. Each transaction is documented in a written term sheet before diligence begins — no surprises at closing.
Program Highlights
Documents Required
Please provide a copy of the following documents for the approval process. All submissions are held in strict confidence.
Additional Terms
General Mortgage Loan Requirements
The following outlines the general requirements applicable to mortgage loans and construction financing.
- Construction BudgetBorrower's detailed construction budget must be submitted for review and approval.
- Construction DrawsFunds are disbursed in draws based on percentage of work completed. Each draw requires a site inspection by an approved third-party inspection company.
- Pre-Cost AnalysisFor construction budgets exceeding $150,000, a Pre-Cost Analysis may be required to verify the adequacy of the proposed rehabilitation budget.
- Purchase ContractBorrower's executed purchase contract must be reviewed and approved.
- Borrower QualificationsBorrower must provide a brief summary of relevant experience, a current credit report, proof of funds, and any additional information requested.
- Property InspectionLender will conduct a satisfactory drive-by inspection of the subject property.
- Personal GuaranteesIf the borrower is an entity (corporation, LLC, partnership, etc.), a personal guarantee from the principal(s) will be required.
- Insurance RequirementsTitle insurance and property insurance acceptable to the lender must be obtained and maintained by the borrower.
- Additional DocumentationThe lender reserves the right to request any additional documentation or information deemed necessary.
This term sheet is provided for discussion purposes only and does not constitute a commitment to lend. All loans are subject to underwriting, valuation, borrower qualification, and applicable law. Rates, terms, and program parameters are subject to change without notice.
Cross-border capital, closed locally.
We finance foreign nationals, ITIN borrowers, and cross-border investors across North America — without the friction of traditional bank financing.
Lend International funded our $12M mixed-use acquisition in four business days. Every other lender was still asking for tax returns.
As a foreign national, U.S. financing was a wall — until Lend International. Cross-border, transparent, and closed on time.
Their equity-first underwriting let us recapitalize a 42-unit asset without a lengthy DSCR review. Institutional capital, boutique speed.
Led by a lender, not a marketer.
Our founder underwrites, structures and closes deals personally — bringing institutional discipline with a boutique response time.
Luis Bermudez founded Lend International LLC to bring institutional-grade private capital to real estate sponsors who need speed, certainty and structure. With decades of experience across cross-border lending, commercial real estate, and structured finance, Luis has personally led the origination and closing of transactions from single-family bridge loans to nine-figure commercial acquisitions.
“We don't underwrite your past. We underwrite the asset, the plan, and the exit. Then we close.”— Luis Bermudez
The team behind every close.
Senior operators who structure, underwrite and shepherd your transaction from first call to funded wire.
James K Tracy
James leads credit policy, underwriting standards, and portfolio risk at Lend International. He brings deep expertise in structured real estate credit — balancing decisive execution with disciplined asset-level analysis.
Michael R Hartwell
Michael oversees capital markets, treasury, and financial strategy at Lend International. He manages relationships with institutional capital partners and ensures the balance sheet is always ready to fund the next transaction.
Sofia A Marchetti
Sofia runs day-to-day operations, from loan servicing to compliance and technology. She has built the operational backbone that lets Lend International issue term sheets in hours and fund in days.
Taylor J LeVeque
Taylor is the primary point of contact for borrowers and sponsors from first call to closing. She ensures every applicant receives a responsive, transparent experience and that every deal progresses on schedule.
The team in action.
Every wire we send is the product of a disciplined team — from origination to underwriting, closing, and post-close servicing. This is Lend International at work.
Our executives together — the people accountable for every loan we close.
Deal sourcing, structuring, and credit review — where every transaction begins.
The team that moves your file from term sheet to funded wire.
Long-term partnerships with sponsors, brokers, and capital allies worldwide.
Talk to a lender, not a call center.
Submit your scenario and a senior loan officer will respond within hours — with a written term sheet, not a runaround.