Joe Starcher Funding

Chicago-based • Serving clients nationwide
Real Estate Funding Authority
CRE Up To $50MM
Check My Deal
Fast Review No fluff. Straight to options. Chicago HQ

Your Real Estate Funding Authority

Focused on real estate funding for fix & flip, commercial real estate, residential real estate, investment properties, bridge loans, DSCR, construction, and HELOC solutions. We also offer select business funding programs — but real estate is where we lead.

🏡 Fix & Flip Specialists
🏢 Commercial Real Estate Funding
⚡ Fast Closings Available
💰 Investor Deal Structuring
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Most clients come to us for real estate deals first — from acquisitions and refinance scenarios to fix & flip and investment property opportunities.
Real Estate Funding Snapshot
Up to $50MM
Commercial real estate potential for qualified files
Fix & Flip
Investor-focused funding structures available
DSCR + Rental
Investment property options available
HELOC + Bridge
Flexible equity and short-term deal options
Best fit: real estate investors, flippers, landlords, developers, owner-operators, and borrowers with a serious deal to fund.
Why Clients Use Joe Starcher Funding
  • Real estate first positioning built around investor and property-backed opportunities
  • Commercial + residential deal support from smaller bridge scenarios to larger CRE files
  • Fast review process so you know quickly whether the file is worth pushing
  • Business funding still available for operators who also need working capital or growth financing
Funding Uses
  • Fix & flip acquisitions and rehab projects
  • Commercial real estate purchases and refinance opportunities
  • Residential real estate and investment property financing
  • Bridge loans, DSCR, rental, and construction-related opportunities
  • Cash-out refinance, rate / term refinance, and HELOC scenarios
  • Working capital, lines of credit, SBA, and business growth financing
Most Requested Real Estate Programs
  • Fix & Flip
    Fast acquisition and rehab funding for investor projects.
  • Commercial Real Estate
    Purchases, refinance, cash out, construction, and larger CRE opportunities.
  • DSCR / Rental
    Investment property lending for cash-flow-based scenarios.
  • Bridge Loans
    Short-term funding when speed matters.
  • HELOC
    Equity-based access with no appraisal options on qualifying files.
  • Business Funding
    Still available for operators who also need working capital or growth financing.
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Programs Available

Options depend on revenue, time in business, credit profile, liquidity, and overall file strength. Here is a broader breakdown of available programs:

  • Working Capital
    Loan Amount: $1K – $15MM
    Terms: 1 – 24 months
    Revenue: $10K/month
    Time in Business: 3+ months
    Credit Score: No minimum
  • Business Line of Credit
    Loan Amount: $5K – $2MM
    Revenue: $10K/month
    Time in Business: 6 months
    Credit Score: 550+
  • Term Loan
    Loan Amount: $25K – $750K
    Term: 6 months – 10 years
    Revenue Requirement: $50K annual gross revenue
    Time in Business: 2+ years
    Credit Score: 680+
  • SBA Loan
    Loan Amount: $150K – $5MM
    Term: 5, 10, or 20 years
    Credit Score: 640+
    Time in Business: 2+ years
    Revenue: Profitable company or $250K+ annual
  • Home Equity Line of Credit (HELOC)
    Loan Amount: $25K – $750K
    Terms: 5, 10, 15, or 30 years
    Turnaround: ~5 business days to funding
    Credit Score: 640+ (Primary) / 680+ (Investment or Secondary)
    Max CLTV: 85% (Primary) / 70% (Secondary/Investment/3rd lien)
    Time in Business: Not required
    Revenue Requirement: Not required
    No appraisal needed
  • Commercial Real Estate (CRE)
    Loan Amounts: Up to $50MM
    Term: 26–30 years
    Credit Score: 650+
    Time in Business: 2+ years
    Experience and liquidity affect underwriting decisions
    Examples: real estate purchase, cash-out refinance, rate/term refinance, construction, DSCR
Specialty financing options are available from equipment financing to commercial real estate and equity-based options, depending on the file.
Quick Deal Fit Guide

Use this simple guide to identify the best starting lane before submitting your request.

Best For Real Estate
  • Fix & flip deals
  • Commercial purchases or refinance
  • Rental / DSCR / bridge / construction
Best For Business Funding
  • Working capital
  • Lines of credit and term loans
  • SBA or equipment financing
Want the fastest route? Choose the closest fit in the form below and include the property type, use of funds, or deal details in the notes.
Investor Deal Qualification

Fund your next real estate deal — fast, flexible, and built for investors. Complete the quick deal check below and we’ll point you toward the strongest next step.

How It Works
  • Choose the closest real estate funding scenario
  • Estimate your deal size, credit profile, and experience level
  • Get a fast deal-fit result and next step in seconds
Best for: investors, flippers, landlords, commercial borrowers, builders, and buyers looking for a practical funding path for an active deal.
Apply Now Instead
This quick check does not affect credit. It helps identify the strongest starting lane for your deal before you go to the full application.
Request A Real Estate Funding Review

Prefer a quick review before you apply? Send the info below and we’ll review the deal, property, or funding scenario as soon as possible.

Apply Now Instead
This form opens a new email window and sends to joe@joestarcherfunding.com. If your device doesn’t have an email app configured, use the Apply Now button above.
Active Deal Review Priority

We’re currently prioritizing active real estate deals, borrowers with a property identified, and investors needing a fast review window.

If your deal is active right now, include the property type, estimated purchase price, rehab scope, refinance goal, or timeline in your notes. That helps accelerate the review.
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