Earn 10%-14% Interest Investing in Short-Term, Real Estate-Backed Loans

Start with just $1,000

Loans are secured by real estate worth significantly more than the owed balance

If a borrower stops paying, we pay you—out of our pocket—for up to 6 months

Receive your principal investment after the 6 to 18-month loan term

Our investors have never suffered a principal loss

What Sets Constitution Lending Apart from Other Investment Platforms

We invest alongside you: We fund every loan on our platform with our capital and hold at least 50% through the full term. So, our financial interests align in seeking strong and reliable loan performance.

Our loans are secured by real estate worth at least 25% more than the owed amount. Even in rare worst-case scenarios — such as a 25% drop in property value within the 6-to 18-month loan term — investors can still recover their full principal.

We have some of the lowest default rates, under 2%. This means that fewer than 2% of our borrowers default, demonstrating the quality of our loans. The median default rate in the U.S. is 4%, with many investment platforms having default rates of 4% or higher.

We offer a payment guarantee: In the event of default, we will pay you 6 months of interest payments while we liquidate the property and return your principal investment.

Investing with us is more affordable and passive: You can start with $1,000 and don’t have to underwrite, originate, or service loans yourself.

10% to 14% returns: Because we close loans in just 7-14 days — significantly faster than banks, which often take 40+ days — borrowers are willing to pay higher interest rates, ranging from 10% to 14%.

What Investors Say About Our Loan Investment Options

Constitution Lending is awesome...

I needed to sell my house within 5 days to avoid foreclosure, and they closed on the same day with no drama.

V. Hartley

Verified Buyer

Easy to Invest, Great Returns

I have been investing with Constitutional Lending for several years. It's a simple, straightforward process, which is the reason I chose to invest with them. Review the loan details of properties that are available, then choose a property that fits you needs. Term (length of loan), LTV (loan to value), Maturity Date and Net Yield are a few of the choices. On every loan that isn't a Prefunding Loan (the company raising funds to back customer loans) you pay a small percentage on a "Payment Guarantee Fee." This will protect you against loosing you original investment if a borrower defaults on a loan. That was one of single biggest reasons I chose to invest with Constitutional Lending. A small percentage fee for piece of mind, that's well worth it to me. Return rates average from about 10% to 12.5%. Very solid!

P MILLER

Verified Buyer

Invested with them first time in 2018…

Invested with them first time in 2018 and they finally launched a fund so have been doing that since it launched and it's been great. They're very communicative and I enjoy reading the monthly investor updates

Vivek Sambhara

Verified Buyer

Investing with them for years in their…

Investing with them for years in their notes. By far the best experience on a platform like this. The competence of the way Ricardo and Kyle and Joe run Constitution oozes from everything they do. Thanks for allowing me to invest.

George Sandelberg

Verified Buyer

Unique real estate investing choices

Constitution Lending offers an alternative opportunity for individuals looking to usurp higher yields on money invested into unique real estate offerings. Prompt client service. User friendly moving money into and out of secure site.

CTgal

Verified Buyer

I've been investing with Constitution…

I've been investing with Constitution Lending since last year. The inventory of available investments continues to grow, and they provide fair, equal access to deals. I've consistently added to my balance and have had very consistent returns. They're a great company.

Mack Schwartz

Verified Buyer

The customer service is exceptional

The customer service is exceptional, systematic, and methodical. The transparency and the educational value, for the do-it-yourself investor, of the platform is high. All of our interactions with them have exceeded so far.

Eileen Edwards

Verified Buyer

How to Invest in Our Real Estate-Backed Loans in 3 Steps

Step 1

Sign up for an investment account and browser through the investment opportunities on your dashboard. You’ll be able to review key details for each loan, including loan amount, property value, as-is LTV, after-repair LTV, yield to maturity, note position, and the borrower’s credit score and real estate experience.

Step 2

Choose a loan that you’d like to invest in, connect a bank or retirement account, and specify your investment amount.

Step 3

Receive borrower interest payments via an ACH into your bank account every month. After the loan term is over — 6 to 18 months — you receive your entire principal investment.

Constitution Lending vs other real-estate investment platforms

Other Real Estate Lending Platforms

Co-Investment (Skin in the Game)

Yes – Constitution Lending invests alongside you

No – Platform typically acts as a broker or marketplace

Payment Guarantee

Yes – We will pay you every month for up to 6 months if borrowers default

No – Investor assumes borrower risk

Capital Protection / LTV

Conservative LTV (≤ 75%) for downside protection

Often high LTVs (75–90%) increase risk

Default Rates

Under 2% due to the quality of borrowers we lend to.

Varies – investors absorb losses

Target Returns

10% – 14% fixed, predictable returns

Typically 6% – 10%

Minimum Investment

$1,000 – low barrier to entry

Requires you to purchase the entire loan, which can cost upwards of $100K

Liquidity

High – Investors receive their principal in as little as 6 to 18 months

Low – Locked for 5 to 30 years — exit options available in some cases

Fee Structure

No management fees

May charge platform, origination, or servicing fees

Transparency

Investors can view everything they need to know on their dashboard, including LTV, loan term, borrower credit score, and so on.

Varies – many platforms lack detailed reporting

Due Diligence

All deals sourced and underwritten in-house

Often sourced externally with minimal platform oversight

Investor Support

Direct access to the founding team and underwriters

Standard customer support, limited insight

Deal Flow Consistency

Regular pipeline of vetted, asset-backed deals

Inconsistent deal availability

Frequently Asked Questions

What Types of Loans Does Constitution Lending Originate?

Constitution Lending primarily originates 6 to 18-month-long commercial loans used to rehab or construct investment properties. Due to the short-term nature of these loans, investors typically earn higher interest rates than they would with longer-term investments, ranging from 10% to 14% annually.

How Is My Investment Secured?

Our loans are secured by a first-lien position on the underlying real estate. This real estate is significantly more valuable than the owed balance, providing strong capital protection. Investors can recover their full principal by liquidating the property, even in worst-case scenarios, like the property losing value and the borrower defaulting.

Will I Lose Money if a Borrower Defaults?

Because we originate loans where the property is worth substantially more than the outstanding amount, it provides an equity cushion protecting you from default risk. It means the borrower can default, the property can lose value, and we can still liquidate it and recover the owed amount. Additionally, with our payment guarantee, we cover up to 6 months of interest payments in the meantime.

What Is the Typical Return on Investment?

Interest rates on our short-term commercial loans range from 10% to 14%, paid to investors on a monthly basis. When the property is flipped or constructed and sold at the end of the loan term, the borrower pays the outstanding balance, returning your principal investment.

What Is the Minimum Investment Amount?

Investors can start with as little as $1,000 — far less than the capital typically required to originate or buy loans outright.

How Quickly Do I Get My Money Back?

Our loans have terms ranging from 6 to 18 months. As a result, investors typically receive their full principal back much faster than with traditional fixed-income investments.

What Happens if a Borrower Defaults?

If a borrower defaults, we step in to cover your monthly interest payments for up to 6 months. During that time, we initiate foreclosure and sell the property — using the proceeds to return your principal. This is possible because we only fund loans backed by real estate worth significantly more than the loan amount, creating a strong equity cushion that protects your investment.

How Are Deals Selected and Underwritten?

Our primary consideration when underwriting loans is the loan-to-value ratio (LTV). LTV compares the loan amount to the property’s value (e.g., a $750K loan secured by a $1MM property = 75% LTV). We originate loans with a LTV ratio under 75%, providing investors with significant protection against market volatility and borrower defaults.