Founded and led by Managing Director Jeremy Richardson, Elite Lending Group is a private real estate lending firm built for one purpose: helping investors close deals that banks are too slow, too rigid, or too conservative to fund. Based in Miami and lending nationwide, ELG works exclusively with non-owner-occupied investment properties, giving investors a capital partner that understands the pace of the deals they're actually doing.
Where conventional lenders ask investors to slow down and fit their business into a bank's timeline, Elite Lending Group does the opposite: we build the financing around the deal.
Bridge & Fix-and-Flip Loans Short-term financing for acquisition and rehab, sized up to 85–90% of cost with the option to add a rehab holdback for the full renovation budget, released as work is completed. No appraisal required in most cases — we work off desktop valuation, so a deal that dies waiting on an appraiser elsewhere can still close here.
DSCR Rental Loans For investors building rental portfolios, our DSCR loans qualify off the property's cash flow, not personal income or tax returns. Whether it's a single-family rental or a small multifamily property, if the numbers work, the loan works — no W-2s, no debt-to-income ratios, no waiting on an underwriter to second-guess a self-employed borrower's income.
Note Acquisition & Distressed Debt Beyond direct lending, Elite Lending Group has deep experience acquiring seller-financed and non-performing notes — a niche most private lenders don't touch. It's a capability that comes from genuinely understanding the paper side of real estate, not just the property side.
Ground Lease & Special Situations Capital For deals that don't fit a standard box — stalled construction, distressed hospitality assets, properties that need a creative capital stack rather than a conventional loan — we structure ground lease and rescue-capital solutions that keep sponsors in control of their asset while solving the capital problem.
Elite Lending Group closes deals in as little as 3 days. That speed comes from a simple philosophy: underwrite the deal and the collateral, not a mountain of paperwork. Investors come to us because a bank's six-week timeline can cost them the property entirely — we exist to make sure that never happens.
What sets Elite Lending Group apart isn't just rate and speed — it's the willingness to solve problems that make other lenders walk away. A property with an ownership wrinkle, a value that needs a second look, a deal structure nobody else has tried — our team has spent years in the weeds of real estate underwriting, deal structuring, and creative financing, and we bring that experience to every file we touch.
Investors don't just need funding. They need a lender who says "let's figure this out" instead of "that doesn't fit our box." That's the role Elite Lending Group plays for every investor we work with.
Ready to move on your next deal? Contact Jeremy Richardson and the Elite Lending Group team:
Email: jeremy@elg-capital.com Phone: 305-849-7830
Real estate investing rewards the investor who can move fastest and most decisively — and that requires a capital partner built the same way. Elite Lending Group exists to be that partner: fast, flexible, and genuinely invested in getting your deal to the closing table.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
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