Welcoming, Trust-Building Introduction

Medium and Long-term Lender to: Homeowners Associations (HOAs), Common Interest Developments (CIDs) and Planned Unit Developments (PUDs).

“Direct loans, fast funding, and customized solutions —
powered by Loanspark.”

Welcoming, Trust-Building Introduction

Medium and Long-term Lender to: Homeowners Associations (HOAs), Common Interest Developments (CIDs) and Planned Unit Developments (PUDs).

“Direct loans, fast funding, and customized solutions —
powered by Loanspark.”

HOA Financing Solutions

Built for Your Community’s Success

“As an experienced HOA loan officer, I understand the unique challenges HOAs face—from large-scale renovations to urgent repairs, it’s all about getting reliable funding without unnecessary red tape. Our solutions are tailored to meet the unique needs of your HOA, allowing you to focus on building a better community.”

Solution Overview

Each solution is backed by Loanspark technology, ensuring a streamlined, efficient process with complete transparency every step of the way.

Direct Lending Solution

Our direct lending solution provides quick, reliable financial support directly to your HOA. No intermediaries, no waiting. It’s ideal for communities needing prompt, flexible funding for capital improvements, repair projects, and other vital needs.

Minimum Requirements:

  • Top 50 US metropolitan area
  • Professional property management
  • Units <25
  • Annual revenue: < $2 million
  • Fidelity bond (or equivalent)
  • Reserve fund study

Business Lending-as-a-Service

Business lending as-a-service is an embedded financing solution which enables any organization to become an HOA lender.  Our team processes, underwrites and funds loans on your behalf.  It’s the perfect solution for businesses ready to bring financing options to HOAs without the overhead.

How It Works:

  1. Your customer applies (from your website)
  2. We originate funding
  3. We advise your customer
  4. We fund the loan
  5. You get paid

Regulatory Solution

This solution is for banks unwilling to take-on the full risk of originating an HOA loan. We offer a regulatory solution that enables banks optimize returns and manage risks more effectively and we’ll fund your loan.

How Our Process Works

Straightforward Funding, Without the Runaround

“We know you don’t have time to waste on endless applications and confusing paperwork. Our process is designed to make funding your HOA as smooth and simple as possible.

Why Choose Us for Your HOA Lending Needs?

“Trusted Solutions Backed by Real-World HOA Experience”

Experienced HOA Lending Professionals:

With years in HOA financing, we understand the ins and outs of the industry—what works, what doesn’t, and how to make sure your HOA is set up for success.

Loanspark-Powered Efficiency:

Our Loanspark technology streamlines the entire process, making it faster, easier, and more transparent from application to funding.

Tailored Solutions, Proven Results:

We don’t do one-size-fits-all loans. Every community is unique, and our solutions reflect that.

Real Success Stories

Helping HOAs Thrive, One Project at a Time

Seeing communities flourish because of our support is what drives us. Here’s what some of our clients have to say

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Technical Engineer

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Web Developer

“Matter how much they talk about relationship banking, we never met anyone who lent us money.”
Alex Tales

SOFTWARE ENGINEER

Frequently Asked Questions

Questions? We’ve Got Answers

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Get Started with Your Custom Loan Quote

Let’s make financing easy for your HOA. Fill out the form below to get a personalized loan quote or schedule a quick call with one of our experienced HOA loan officers.

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Learn More

Building a Comprehensive Capital Improvement Plan (CIP): The Backbone of HOA Borrowing

Regulatory & Compliance Considerations for HOA Loans

Risk Assessment & Mitigation: Strengthening Financial Health for HOAs