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Minnow Loan

Jefferson City, MO·Founded 2022·2 states
Visit website ↗(573) 577-3121
Minnow Loan is a leading local private lender specializing in fast, reliable fix-and-flip bridge loans, short-term bridge loans, and new construction financing.
Minnow Loan describing itself

Loan programs

Fix & Flip

$30K – $2M
Term
6 mo – 18 mo
Rate
10.99% – 13.99%
Amortization
Interest-Only
Maximum leverage
Max LTV 70%Max LTC 90%Max ARV 70%Max LTP 90%
Eligible property types
Single-Family (SFR) · 2–4 Unit Residential · Multifamily (5+) · Mixed-Use · Land & Lots

Bridge

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Term
—
Rate
—
Maximum leverage
Max LTV 70%

Commercial

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Term
—
Rate
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DSCR / Long-Term Rental

$75K – $2M
Term
30 yr
Rate
2% – 13.99%
Amortization
Interest-Only
Maximum leverage
Max LTV 75%Max LTV (cash-out) 65%Max ARV 75%
Eligible property types
Single-Family (SFR) · 2–4 Unit Residential · Multifamily (5+) · Short-Term Rental (STR)

Fix to Rent (BRRRR)

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Term
—
Rate
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Ground-Up Construction

$30K – $2M
Term
6 mo – 18 mo
Rate
10.99% – 13.99%
Amortization
Interest-Only
Maximum leverage
Max LTCV 70%
Eligible property types
Single-Family (SFR) · Multifamily (5+) · Land & Lots

Multifamily

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Term
—
Rate
—

Rental Portfolio / Blanket

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Term
—
Rate
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Terms & qualification

Typical loan size
$25K – $2M
Typical term
6 mo – 18 mo
Interest rate
8% – 14%
Origination / points
1.00% to 3.00%
Minimum FICO
—
Lien position
—
Prepayment penalty
—
Payment structure
—
Recourse
—
Closing speed
—
Prepayment structure
None
Cross-collateral
—
Equity / JV capital
—
Income documentation
No W-2s or Tax Returns Required on short-term loans. Qualifying is asset-based - no personal DTI analysis.
Borrower entity
LLC or Corporation Required. Loans closed under a business entity only. Owner-occupied properties and individuals are not considered.
Experience required
No minimum experience required for Fix and Flip or Bridge loans. Ground-up construction requires minimum 3 prior completed builds .

Property types

Single-Family (SFR)2–4 Unit ResidentialMultifamily (5+)Mixed-UseOfficeRetailIndustrial / WarehouseLand & LotsMobile / ManufacturedShort-Term Rental (STR)

Lending footprint

KSMO

Sources

This record was compiled from the public pages below. Figures reflect what each source published when it was retrieved and are not a quote — confirm current terms with the lender.