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The JCL Advantage

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Creative Solutions

Flexible financing solutions reveal value that other lenders may miss

As an example: If the project property does not meet our loan-to-value (LTV) requirements, JCL is comfortable "cross-collateralizing" additional property(s) owned by the borrower. In this example we also create release schedules that allow for release of liens against properties as the loan is paid down. We find that other lenders do not offer this flexibility."

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One Point of Contact

Work with your own personal JCL representative from day one through the life of your loan.

We forged our company from the belief that every client interaction is an opportunity to build a lifetime relationship. We are here to answer your questions and efficiently solve problems whenever you need us.

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Industry Expertise

Decades of Local and Industry knowledge.

Our team includes a diverse combination of financial, management, real estate, transactional and investment professionals. This unique mix of diverse and experienced backgrounds enables us to carefully evaluate both the positive and the negative aspects of a particular loan opportunity.

Our Process

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Simple Application Apply arrow

We ask basic questions to understand your loan/project requirements including property address and loan amount. There is no cost or obligation to submit an initial application for review.

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We Contact You

We contact you within 30 minutes to review in more detail your project to get an understanding of your loan requirements.

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Underwriting Process

We perform a site visit to review the condition of the property and meet face-to-face with the borrower. We gather information about the local market and the value of the property.

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Schedule Closing

Upon acceptance of the term sheet, we order title and once clear, we schedule a closing.