Eclipse Funding LLC

Eclipse Funding LLC is a national private lending and commercial finance company specializing in business-purpose real estate financing, investment property lending, commercial real estate, construction, bridge financing, and business funding. Eclipse is designed to serve borrowers who need more flexibility, speed, and creative financing solutions than traditional institutional lending can typically provide.

Our focus is simple: find the right capital for the right opportunity. We work with real estate investors, builders, developers, landlords, entrepreneurs, business owners, and commercial property investors to structure financing around the transaction, the asset, the business, and the borrower's overall investment strategy.

Eclipse operates as both a direct/private lender and a lending brokerage, allowing us to evaluate opportunities for our own lending programs while also accessing a broader network of lending sources when a transaction requires a different structure, product, leverage position, property type, or underwriting approach. This combination gives borrowers access to multiple potential solutions without forcing every transaction into the same lending box.

Our philosophy is built around three core values: Honesty, Loyalty, and Precision. We believe borrowers deserve straightforward communication, realistic expectations, accurate analysis, and a lending partner who understands the transaction rather than simply processing an application. Our objective is not to put every borrower into a particular loan product. Our objective is to understand what the borrower is trying to accomplish and determine the most appropriate capital structure available.

BUSINESS-PURPOSE REAL ESTATE FINANCING

Eclipse specializes in financing transactions where the property, project, investment strategy, or business purpose is central to the loan decision. Our real estate programs include Fix & Flip, DSCR, Ground-Up Construction, Bridge Financing, Portfolio/Blanket Loans, Commercial Real Estate, Mixed-Use, Land and Vacant Lot Financing, Transactional Funding, Farm and Ranch Financing, and other customized investment-property solutions.

Our Fix & Flip financing is designed for investors purchasing and renovating properties for resale. Depending on the transaction, financing can be structured around acquisition, renovation, and the property's projected after-repair value. Eclipse publicly advertises programs that can provide high leverage, including qualified opportunities with up to 100% financing of certain project costs.

Our DSCR financing is designed for real estate investors who want to qualify based primarily on the income-producing characteristics of the investment property rather than relying exclusively on traditional personal-income underwriting. Eclipse offers DSCR financing for rental properties, including purchase and refinance opportunities, allowing investors to acquire, refinance, and expand their portfolios.

Our Ground-Up Construction and Construction Financing programs are designed for builders, developers, and investors who need capital to construct or substantially renovate real estate. Financing can be structured around project costs, draws, land, construction, and the overall development strategy.

Our Bridge Financing provides short-term capital when a borrower needs to move quickly or when permanent financing is not yet the appropriate solution. Bridge financing can be useful for acquisitions, renovations, repositioning, refinancing, construction transitions, or situations where timing is critical.

Our Commercial Real Estate Financing serves investors and business owners acquiring, refinancing, renovating, or developing commercial properties. Depending on the transaction, this may include office, retail, industrial, multifamily, mixed-use, and other commercial assets.

Our Portfolio and Blanket Loan solutions allow qualified investors with multiple properties to explore financing structures that consolidate properties or investment assets under a broader lending strategy rather than treating every property as an isolated transaction.

Eclipse also offers specialized financing opportunities involving vacant land, farms, ranch properties, transactional funding, ITIN/foreign borrowers, and other non-traditional real estate transactions, subject to program availability and underwriting.

BUSINESS AND COMMERCIAL FUNDING

Eclipse is not limited to real estate. We also work with business owners and entrepreneurs seeking capital for acquisition, expansion, working capital, equipment, commercial real estate, or other legitimate business purposes.

Available business-finance solutions include SBA financing, business lines of credit, business term loans, equipment financing, merchant cash advances, and private business financing, depending on the borrower's circumstances and the particular transaction. Eclipse's public materials specifically identify SBA 7(a) and 504 financing as well as private business funding options.

This gives Eclipse the ability to look beyond the real estate itself and consider the broader business or investment objective. A borrower may be purchasing a building for a business, acquiring an existing company, expanding operations, purchasing equipment, developing property, or looking for working capital. The appropriate financing solution depends on the transaction and the borrower's qualifications.

A DIRECT LENDER + BROKERAGE MODEL

One of Eclipse's most important advantages is its ability to function as both a direct/private lending source and a brokerage platform.

When a transaction fits one of Eclipse's direct lending programs, the opportunity can be evaluated and structured internally. When it does not, Eclipse can utilize its lending relationships to identify another appropriate capital source.

This creates a "one relationship, multiple solutions" approach.

Instead of sending a borrower from lender to lender without understanding the complete transaction, Eclipse evaluates the opportunity first, identifies the challenges, and then determines where the transaction has the best chance of being successfully financed.

The goal is not simply to quote a rate. The goal is to structure a transaction that makes sense.

WHO ECLIPSE SERVES

Eclipse Funding is particularly suited for:

• Real estate investors

• Fix-and-flip investors

• Buy-and-hold investors

• Landlords

• Multifamily investors

• Builders and developers

• Commercial property investors

• Business owners

• Entrepreneurs

• Property acquisition companies

• Real estate investment companies

• Wholesalers and transactional investors

• Foreign and ITIN investors where programs permit

• Investors requiring bridge or transitional financing

• Borrowers whose transactions fall outside conventional lending guidelines

Eclipse can work with both experienced investors and borrowers entering investment real estate, with the actual financing structure determined by the property, transaction, experience, credit profile, liquidity, project economics, and applicable underwriting requirements.

THE ECLIPSE DIFFERENCE

Eclipse's value proposition is not simply that it offers loans. The difference is the ability to analyze the entire transaction and search for a financing structure that works.

Real estate transactions do not always fit neatly into conventional lending guidelines. A property may need substantial renovation. A borrower may have significant assets but unconventional income. A developer may need construction capital. An investor may need to close quickly. A commercial property may require a customized structure. A business owner may need capital for an acquisition or expansion.

These are the situations where flexible lending and experienced structuring can make a significant difference.

Eclipse approaches each transaction with three priorities:

HONESTY — Tell the borrower what is realistic, what is required, and what challenges may exist.

LOYALTY — Treat the borrower, investor, referral partner, and lending relationship as a long-term relationship rather than a one-time transaction.

PRECISION — Analyze the property, borrower, project, numbers, exit strategy, and financing requirements carefully so the proposed structure is based on the actual transaction.

TECHNOLOGY + PERSONAL SERVICE

Eclipse combines technology with personal lending support. The company uses an automated and organized application process to collect information, communicate with borrowers, and move transactions through underwriting while maintaining direct communication with the lending team.

The objective is to make the process fast without making it impersonal.

Borrowers can begin with pre-qualification, provide project and financial information, submit documentation, move through underwriting and approval, and ultimately receive a clear-to-close and funding when all requirements have been satisfied. Eclipse states that its automated system can provide notifications and that its team typically contacts applicants quickly after submission.

NATIONAL REACH

Eclipse's public materials state that the company provides financing solutions across all 50 states, giving investors and business owners access to financing opportunities beyond a single local market.

This national approach is particularly valuable to real estate investors who purchase properties in multiple markets. An investor may live in New Mexico while acquiring an investment property in Texas, Arizona, Florida, Colorado, or another state. Eclipse's model is designed to support investors whose business is not limited to the market where they live.

ECLIPSE AND OWNER-OCCUPIED RESIDENTIAL LENDING

Eclipse Funding should be clearly distinguished from a traditional consumer mortgage lender.

Eclipse is primarily focused on business-purpose and investment financing.

When a transaction involves a borrower purchasing a property as their personal primary residence, that transaction generally belongs in the appropriate consumer/owner-occupied mortgage channel rather than Eclipse's business-purpose investment lending model.

That distinction is important because Eclipse is designed around investment and business objectives, including income-producing real estate, development, commercial property, and business funding.

THE BIGGER VISION

Eclipse Funding LLC is built to become more than a loan broker. The long-term vision is to become a strategic capital partner for investors, entrepreneurs, builders, developers, and business owners.

The company exists to help clients answer a fundamental question:

"How do we make this transaction work?"

Sometimes the answer is a conventional investment loan. Sometimes it is DSCR. Sometimes it is private money. Sometimes it is bridge financing. Sometimes it is construction financing. Sometimes it is commercial financing or an SBA solution. And sometimes the best answer requires combining different financing strategies.

Eclipse's role is to understand the opportunity, identify the obstacles, evaluate the available capital, and help structure the transaction around a realistic path to closing.

Eclipse Funding LLC — Funding for Any Situation.

Built on Honesty. Loyalty. Precision.

From the first conversation through underwriting, closing, funding, and the next investment, Eclipse is positioned to be the capital partner investors and business owners can return to as their businesses and portfolios grow.