Short-term loans secured by real estate, for property investors and developers. Apply, sign, draw, and repay — all from a single portal that works on your phone.
11%
Annual Rate
2 pts
Origination
Up to 80%
LTC
Minimal Fees
Welcome back, Marcus
2 active loans · 1 in review
142 Maple St, Miami FL
Purchase Loan
Amount
$850K
Rate
11%
Next Pay
Aug 1
Brickell Ave Renovation
Construction Loan
The Truss-t Platform
A borrower portal for property investors, paired with a complete admin system for the lender side — built so every loan is transparent, traceable, and on-time.
Apply, sign your term sheet, request draws, and pay interest — all from one place. Designed mobile-first, installable as an app on your phone.
Pipeline kanban, configurable risk analysis, capital tracker, and a full loan-detail view with documents, draws, and payment ledger. Audit log on every change.
A dedicated portal for capital partners to track deployed capital, scheduled returns, and statements — currently in build alongside the lender side.
Three loan types. One transparent term sheet.
11%
Annual interest, prepaid quarterly
2 pts
Origination — paid at funding
12 months
Standard term, optional extension
60–80%
LTC, by borrower experience tier
Minimal Fees
See breakdown below
Fees we don't charge
Acquire residential or commercial property. Funds wired directly to the title company at closing.
Ground-up or major rehab. Draws released against milestones with photo + invoice verification.
Renovation and value-add for properties you already own. Funds released in draws to the borrower account.
All loans subject to underwriting approval. Specific terms vary by deal, borrower experience, and property profile.
From application to closing, the same flow every time.
Property address, purchase price, renovation budget, ARV, and a few details about your experience and entity. Takes about 5 minutes.
We respond with a proposed term sheet — rate, points, max draw, period, and any conditions. Review the line-item breakdown and accept (or counter) inside the portal.
Upload insurance, title, tax records, lien searches, entity docs, and rehab contracts. Our attorney reviews everything in parallel — you see status updates in real time.
We coordinate with the title company on the closing date, wire funds, and the first lien is recorded. The loan goes live in your portal — payment schedule, draw budget, and all.
For construction and improvement loans, request a draw whenever a milestone hits — upload photos, receipts, and any inspector reports. Approved draws release funds typically within a business day.
At end of term, request a payoff statement or apply for the 3-month extension. Once paid, the lien is released and the title return is processed automatically.
For Borrowers
Track every step of your loan from pre-approval to payoff in one place. The whole portal works on your phone — installable as an app, with a bottom-nav for one-thumb operation.
142 Maple St, Miami FL
Purchase Loan
⏰ Interest payment due Aug 1
$25,500 — tap to view wire instructions
Loan Details
$850,000
11% / yr
12 mo
May 1, 2026
Documents
5 of 7 approved
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Invest with us
An alternative to buying property yourself: you provide capital, we lend it to experienced developers against US real estate, and every loan is secured by a first-position lien. Real estate can produce excellent returns — but it takes market knowledge, time, and disciplined risk management. That is the part we do.
We look at every deal as if we were buying it ourselves. Because our own money is in it, our interests and yours point the same way.
Every deal starts with an introductory call with the developer. The whole process runs end to end inside the platform on this page, so each stage is recorded as it happens.
Risk Management
Four layers sit between your capital and a deal going wrong. Every loan has all four.
Years of buying and renovating property ourselves, applied to every deal before we lend against it.
An attorney, an appraiser and a broker involved in the transaction — not only our own judgement.
We never fund the whole purchase. The developer puts significant money of their own into the property.
The property is pledged to our company in first position, recorded with the county, through a dedicated LLC.
Three engineers, from backgrounds in real estate, technology and numbers. Between us, more than 30 years in property, dozens of completed value-add projects, and years running deals on the ground in the United States — which is where we learned to spot a good deal, and to recognise one that isn’t.
That experience is now built into the platform you can see on this page: every loan underwritten, tracked and documented in one system, with a full audit trail behind every change.
Information on this page describes how we work with investors. It is not an offer of securities and not a public offering. Investing is by prior arrangement only, and every arrangement is documented individually.
Why Truss-t
Mobile-first
Installable as an app on iOS & Android. Bottom-nav, bottom-sheet modals, native keyboards — built for one-thumb use.
Bank-grade security
Row-level isolation in Postgres — every borrower only ever sees their own data. Voice-verify wire workflow on every funding.
Full audit trail
Every status change, document upload, payment, and term-sheet edit recorded with who-did-what-when and before/after snapshots.
Real-time everywhere
Borrower writes mirror to admin in seconds — no batch jobs, no overnight syncs. The interest engine recomputes on every payment.
Truss-t is a private real-estate lender focused on bridge loans for property investors and developers. We finance the deals between contracts and conventional mortgages — purchase, construction, and renovation — with terms designed for short hold periods and clear exits.
The platform you see here is the same one our borrowers, loan officers, and capital partners use every day. Every loan flows through it. Every payment, every draw, every document — all in one place, with a complete audit trail behind every change.
Submit a pre-approval in about 5 minutes. We'll come back with a term sheet.