Laker Lending is a direct private lender specializing in short-term bridge and rehab loans for residential investors. No committees. No red tape. Just a real person who understands your deal.
Laker Lending is a direct private lender serving Michigan, Ohio, and Illinois, managed by Shay Smith. We fund short-term bridge and rehabilitation loans secured by residential properties — the kind of deals that banks won't touch and institutional lenders take too long to close.
We work with fix-and-flip investors, buy-and-hold landlords picking up value-add deals or seasoning a property before permanent financing, and experienced operators who need capital that moves as fast as they do. Whether you're acquiring your first investment property or scaling a portfolio, we look at the full picture — the deal, the borrower, and the plan — to structure loans that make sense for both sides.
Because we lend our own capital and bring a strong financial engineering background to every deal, we have the flexibility to structure loans that institutional lenders simply can't. If the numbers work, we'll find a way to get it done.
Every loan is underwritten and funded in-house, which means faster answers, flexible terms, and a single point of contact from first call through closing.
We're not a call center. When you reach out, you're talking to the person making the lending decision.
As a direct lender with our own capital, we skip the approval committees and move fast when a deal is ready.
Having acquired over 500 single-family homes, renovated more than 300, and taken on an apartment complex, we understand your challenges firsthand and bring real operational insight to every deal.
You'll work directly with Shay from first call through funding. No hand-offs, no runaround.
Additional advances for rehab draws, interest reserves, and creative structures — we tailor the loan to fit the deal.
Tell us about your project and we'll get back to you within 24 hours.
Whether you're exploring your options or have a specific question, drop us a line. We'll get back to you within 24 hours.