Minnow Loan
Columbia, Missouri
Direct Asset-Based Lender for Missouri Real Estate Investors
Minnow Loan is a full service, self-funded hard money lender that specializes on loans throughout the state of Missouri. We offer creative lending strategies and have the ability to be nimble and responsive to our borrowers. We don’t dictate stringent lending guidelines for short-term loans. We believe every deal is different and can be profitable if structured properly.
- Lending throughout Missouri (all areas)
- Lending on Residential, Multifamily, and Commercial properties
- Many loan types: Bridge, Equity Cash Out, Rehab, Fix & Flip, Ground-Up Construction, Transactional
- We offer DSCR loans for borrowers executing a long-term rental strategy (these loans have stringent guidelines)
- No appraisals needed on Bridge and Fix & Flip loans
- Transactional Funding (same-day close) for wholesalers
- Low credit scores accepted
- Fix & Flip loans up to 90% LTP (borrower must contribute at least 10% to purchase)
- Bridge Loan funding in as quickly as 3 days
Please Note: We do NOT consider owner-occupied homes.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
Residential Construction
Multifamily Construction
Commercial Construction
Property Types
- 2-4 Units Residential
- Bed and Breakfast
- Commercial Condominium
- Commercial Land
- Community Center
- Condominium
- Covered Land
- Hotel
- Industrial
- Manufactured Home
- Mixed-Use
- Mobile Home
- Mobile Home Park
- Multifamily
- Office
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- RV Park
- Recreational
- Residential Land
- Retail
- Senior Housing
- Single Family Residence
- Sports Facility
- Storage Facility
- Student Housing
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
- Residential Long-Term Rental
- Multifamily Bridge
- Commercial Bridge
Specialty Loan Types
- Cannabis Use Properties
- Foreclosure Bailout
- Land Development
- Luxury Homes
- Partner Buyout
- Residential Long-Term Rental
- Residential Short-Term Rental
- Subdivisions
- Transactional Funding
- Vacation Rental
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Hospitality Land
- Agricultural Land
- Special Purpose Land
- Cannabis Use Land
- Covered Land
Will Consider Land That is NOT Entitled
noMax LTV for Land
65%Max LTC for Land Acquisition
70%Max Loan-to-Purchase Price
90%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Seller Financing
- Gap Lender
- Family
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
3Maximum After Repair Value
70%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
3Max LTC for Ground-Up Construction Costs
100%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
noMinimum Loan Amount
$75,000Maximum Loan Amount
$2,000,000Minimum Origination Fee
1%Maximum Origination Fee
3%Minimum Loan Term
36 monthsMaximum Loan Term
480 monthsMaximum Loan-To-Value
75%Maximum Loan-To-Purchase
75%Minimum Debt Service Coverage Ratio
1.00Minimum Credit Score
660Will Lend on a Portfolio of Properties
YesMinimum Property Value
$100,000Minimum Loan Amount
$100,000Maximum Loan Amount
$2,000,000Minimum Origination Fee
1%Maximum Origination Fee
3%Minimum Loan Term
36 monthsMaximum Loan Term
480 monthsMinimum Debt Service Coverage Ratio
1.00Minimum Credit Score
660Maximum Number of Units
18Minimum Origination Fee Amount
$2,500
Minnow Loan Testimonials
Vision One Rehab, LLC
"The process was easier than I had expected – I had a great experience working with Minnow Loan. We will definitely be using them in the future."
Borrower
Ocean Built Properties, LLC
"I was introduced to Minnow Loan through a colleague who also works with them. I had a fix and flip property under contract that needed financing quick to secure the deal. They were able to get me through the entire process in less than 48 hours!"
Borrower
Capital MO Funds, LLC
"I have worked with Minnow on multiple projects now, and will absolutely continue. Their ease of internal processing and underwriting was huge when it came time to closing a specific deal in a very short amount of time! Shelby and her team make the entire process quick, painless and professional."
Borrower
Bridge Holdings, LLC
"This company was recommended to me by my real estate agent. The communication and ability to walk through the entire deal structure with me was invaluable! After many discussions, I realized I needed to negotiate a lower purchase price – which was accepted! I’ll be back with my next project."
Borrower
Alliance Partners West, LLC
"The entire process was smooth, quick and professional – they have provided me with a lending solution I can repeat over and over."
Borrower
Jet Property Solutions, LLC
"My experience with Shelby and Minnow Loan has been very positive. Shelby is very prompt and professional with her communication. The closing process was quick and smooth. Anytime I have had questions about the original closing, loan documents, draw process, funding, issues with inspectors and contractors, Shelby was able to answer the questions quickly. Shelby made sure that I had the right tools in place to protect me as the investor when dealing with contractors and offered up tips on best practices for dealing with contractors and funding."
Borrower
Shallow Creek Holdings, LLC
"Shelby and the Minnow team have been great to work with. We have completed smaller single family residential deals as well as larger multi family deals with Minnow and all have moved forward as expected and closed on time, even with tight timeframes on our side. I appreciate their partnership and would recommend them to others."
Borrower
Contact Minnow Loan
Stay Informed About Private Lending
Minnow Loan is a team of real estate professionals striving to provide investors access to the quick cash they need to grow their investment portfolio. We are a full service and self-funded hard money lender, and our small office allows us to provide creative lending strategies and the ability to be nimble and responsive to our borrowers.
Our mission is to make the hard money process as smooth and fast as possible while maintaining the highest level of honesty and professionalism. The terms and structures of our loans are flexible. We don’t dictate stringent lending guidelines because we believe every deal is different and can be profitable if structured properly.
If you need help with a deal you’re working on, feel free to contact us – we will offer our knowledge and expertise to assist you in turning your next real estate transaction into a winning hard money deal.
Our Fix and Flip, Bridge, Rental, and Commercial loan options offer the powerful leverage and speed investors need to close the deal.
Your Deal. Our Money.
Office Locations
Minnow Loan500 E Broadway, Columbia, Missouri 65201
Our Team
Shelby Reed
Co-Founder
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Stay Informed About Private Lending
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Our Minimum Loan Amount Is
$25,000
What We Do
- Lending only in Missouri
- Bridge, Rehab, Construction, Long-Term
- Funding for Many Types of Properties
Not Available
- NO 100% Financing
- NO Owner-Occupied Homes
- NO 2nd Mortgages
- NO Gap or Down Payment Money