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WELCOME TO SKY FINANCING

Solutions
Investing in People Investing in Properties

Our mission is to empower businesses with innovative and accessible financial solutions, through Hard money lending

aiding investors in building, enhancing, and stabilizing communities across the nation.

Since 2021, We've successfully Granted our clients over

112 Millions Loan Funds

Cheaper

Less junk fees you pay, the more profit you keep. We have a house appraisal and legal team, which means you can save up to $2500 other hard money lenders may charge you—also Low points and Low interests rates.

Fast

We move fast and get deals done quickly within 10-day closing windows and without the delays and red tape typical with banks and other lenders.                                

Reliable

We take pride in being highly transparent and responsive when crafting your loan. We fund all of our loans per the terms agreed upon by our borrowers. No last-minute changes. 

Fix and Flip A to Z Solutions

Fix and Flip VIP Package

 Your one-stop solution for off-market deals, funding, construction support, and successful final sales. We've got your real estate journey covered from A to Z! You are the VIP!

Hard Money Lending

Empowering Dreams, One Loan at a Time

We make sure our customers have the information they need to get a mortgage that fits their details objectives.

Through unwavering dedication and a forward-thinking approach, we aim to be the cornerstone of success for businesses seeking sound financial foundations. Our asset based programs are designed for independent real estate investors and small business owners who may not meet the criteria for conventional bank loans, encompassing W-2 employees, self employed individuals and small business owners.

Fix and Flip

Fix and Flip is the industry leading Fix & Flip / Bridge loan product. No appraisal required, high leverage, and can close in 48 hours. Rates starting at 8.9-10.9%.

Rental Loan

Long-term loans for cash-flowing investment properties up to 8 units, including mixed-use and short-term rentals. Rates starting at 6.750%.

Construction Loan

Construction Loan is the easiest construction loan product in the country. Simplify your construction financing with a 48-hour draw process and the ability to close quicker than the competition. Rates starting at 10%.

More Than Just Your Real Estate LendeR

Check Out All our commercial Loan programs 

Who are we?

Welcome to Sky Financing

Hard Money Lending Mortgage Solutions

Founded in 2021, Sky Financing Solutions has rapidly established itself as a trusted partner in the realm of real estate investment. At the helm is Steven Zhao, a seasoned real estate investment advisor with a profound understanding of the market’s intricacies and the critical value of time in deal-making. Alongside him is a cohort of lending connoisseurs, each bringing a wealth of knowledge and expertise to the table.
Our ethos is rooted in not just funding deals but in fostering success from inception to completion. We believe in a comprehensive advisory approach, guiding our clients through every step of the investment process, from A to Z. Our team is your team, a collective of astute minds dedicated to realizing your project’s potential…..

Hard Money Lending

OUR PROCESS

The Easy 4 Steps To Work With Us

Talk to Us

Get through to us via any of our Info provided or request a quick quote from the button above

Apply Online

Use our online mortgage calculator and Complete our cost-free online loan application.

Obtain Authorization

You'll receive a term sheet within 24 hr of receipt of your loan application. We'll reveal all terms in clear, easy-to-understand language.

Financing Funded

Then We'll fund your project at the time you are choosing

Our Commercial loan programs

Mortgage Programs

Construction Loan

Get funds on investment residential or commercial properties - single-family, multi-family, industrial, warehouse, mixed-use, retail, commercial - rates starting at 7.25%

Fix and Flip

Fix-To-Rent or fix-and-flip - We are your ideal companion from the beginning till the end.

Rental loans

Long-term loans for cash-flowing investment properties up to 8 units, including mixed-use and short-term rentals. Rates starting at 6.750%.

Mortgage programs

Bridge Loan

Offer short term financing that utilizes the equity from your existing residence to aid you make a deal on a brand-new one.

Mortgage Programs

Foreign National Loan

Not a resident of United States? We offer lending’s to non U.S.A. residents that may be resident aliens, short-term residents or either permanent or temporary standing.

Mortgage Programs

Mixed-Use Property

Get funded for short-term or long-term with mised use loans and the terms ranging in between 6 months to 30 years.

What we offer

Investing in People; Investing in Properties

Investing in People

The Heart of Hard Money Lending

At the core of hard money lending lies a profound commitment to people. This business, often viewed through the lens of financial transactions, is fundamentally about supporting ambitions and recognizing potential.

As a hard money lender, I am privileged to engage with diverse clients, each embarking on a unique journey in real estate. Our approach differs from traditional banks that focus on numbers and credit scores. We look deeper, understanding the person and the story behind each project. This personal, holistic approach allows us to see beyond the immediate financial details to the potential and passion driving each investment.

Our investment in people goes beyond merely financing their projects. We become partners in their ventures, believing in their ability to succeed and supporting them in turning their visions into reality. Each loan we provide is a stepping stone in someone’s entrepreneurial journey and a reflection of our confidence in their plans and capabilities.

The triumphs of our clients are our triumphs too. Every successful renovation, property flip, or rental income generated is not just a financial gain but a testament to their hard work and savvy decision-making. Their success stories are what drive us and define our success in this industry.

In essence, hard money lending is about more than just money. It’s about investing in people and their dreams, about being a part of their journey to success. It’s this philosophy that shapes our approach, where every transaction is a building block for a lasting relationship and a shared path to achievement in the dynamic world of real estate.

Investing in Properties

The Dual Focus of Hard Money Lending

In the world of hard money lending, our investment strategy extends well beyond the individual entrepreneur. It encompasses the very essence of their projects: the properties themselves. Our philosophy is built on a dual focus: first, we invest in the vision and determination of the people behind the projects, and then, we commit to the properties they aim to develop or transform.

We see ourselves as more than just lenders; we are active partners in the process of converting real estate plans into tangible, impactful properties. Each project we finance represents a unique story of ambition and progress. Our involvement is not merely about providing funds; it’s about fostering growth, enabling restoration, and contributing to the development of vibrant communities.

Our commitment to properties goes beyond their monetary value. We take a holistic view, considering how each project can rejuvenate neighborhoods, provide housing solutions, and create spaces that enhance people’s lives. This perspective allows us to contribute to meaningful and lasting developments in the real estate sector.

Moreover, we take pride in our approach to sustainable lending. We don’t just look at the immediate financial returns; we assess the long-term impact of our investments. We ensure that the projects we fund not only succeed financially but also add value to communities and adhere to principles of sustainability and responsible development.

In extending our investment from people to properties, we create a synergy that drives the success of our ventures. This dual investment approach is the cornerstone of our business model, allowing us to build strong, enduring relationships with our clients and play a significant role in the transformation of the real estate landscape. Through this strategy, we not only witness financial growth but also contribute to the broader story of community development and real estate innovation.

What People Have Said About Us

Get In Touch

Contact Us

Office Mail

info@sky-financing.com

Office Number

+1-833-216-8828

Office Address

728 S Broad St, Philadelphia, PA

Book A quick Appointment

Let's Start Financing You

We are committed to empowering our customers with comprehensive information, enabling them to choose a mortgage that precisely meets their individual goals and aspirations.

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