commercial lending experts

$8 Billion + Borrowed

500 + Satisfied Customers

What Types Of Loans Can We Provide?

Business Loans

Access our SBA 7a as well as short-term business loans based on business cash-flows or asset-based lending

Real Estate Investment Loans

This program is for acquisition or refinance of SFR Investment, 2-4 Units, Multifamily, and also includes other commercial properties, such as Office, Retail, Warehouse, Service Station, and Self-Storage.

Bridge Loans

Our bridge loans can be closed fast and solve the most difficult lending issues. We provide bridge loans from $1M to over $100M.

Cottage financial has been recognised by


The Economics

The New York Times


We’re here to help you succeed

Headquartered in Colorado, we operate fully online without any branch locations, which allows us to keep operating costs low and focus more resources on our customers. We are transforming the banking system into a frictionless, transparent, and highly efficient digital experience, and we're here for you.

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