A family-office-backed private lender providing flexible, senior-secured bridge and transitional financing to CRE owners, operators, and developers nationwide.
1Oak Lending is a vertically integrated, family-backed investment firm focused on structuring and investing in diversified portfolios of short-term, senior-secured loans collateralized by U.S. commercial real estate.
Disciplined capital deployment, direct lending, and strategic real estate investments designed to deliver consistent yield enhancement and downside protection across market cycles.
"If your situation falls outside a standard box, we structure a solution that fits."
We actively seek opportunities rather than passively receiving submissions. Leveraging decades of experience as owner-operators, our team identifies high-potential assets through proactive outreach, extensive networks, and sector-agnostic analysis.
Our underwriting is grounded in operational reality. A rigorous, data-driven framework manages risk and combines operational insight with streamlined internal processes — faster approvals without sacrificing discipline.
We offer bespoke financing structures with customized solutions and aligned incentives. Working alongside banks, private lenders, debt funds, and equity partners to structure capital stacks that make complex deals workable.
Conviction-based underwriting, intelligent capital structuring, and rapid deployment. Our principals have operated on the front lines of transactions — sourcing deals, underwriting business plans, negotiating structures, and managing capital through acquisition, execution, and exit.
We underwrite to future performance — factoring in renovations, lease-up efforts, operational improvements, and capital initiatives that will enhance cash flow and asset value. Our loans are purpose-built to solve problems, not to fit within traditional underwriting boxes.
Designed for owners and operators executing a business plan to acquire, improve, reposition, or stabilize a property before refinancing, holding, or selling. We underwrite to future performance ahead of the property qualifying for traditional financing.
Security: First mortgage lien or deed of trust. Min. 9-month interest on 12-month terms. Appraisal + Phase 1 required.
Short-term financing for non-standard, time-sensitive, or complex situations where conventional lenders are unable or unwilling to proceed — imminent maturity, foreclosure pressure, capital shortfalls, partnership disputes, or temporary cash-flow disruption.
Security: First mortgage lien or deed of trust. Broadest collateral eligibility — we lend where the underlying real estate remains fundamentally sound.
Specialized financing for ground-up development and major adaptive reuse. Structured around a defined development plan, budget, and timeline — carries the project through completion and stabilization before transitioning into permanent financing or sale.
Covers land acquisition (in some cases), hard and soft construction costs. Interest accrues only on drawn balance.
Our process is built for speed and certainty. Same-day LOIs, direct decision-makers, and no bureaucracy between you and close. We move decisively when others hesitate.
Submit your deal details via our intake form or call us directly. We evaluate all commercial property types and non-standard situations.
Day 1A direct call with our team. We issue a same-day Letter of Intent and move quickly into formal underwriting — no committees, no delays.
Day 2 – Day 5Streamlined internal processes with direct decision-makers. Conviction-based underwriting grounded in operational reality and data-driven risk analysis.
Week 1 – Week 2Acquisition and bridge loans close in 10–30 days. Construction in 30–45 days. Direct access to your lending team throughout servicing.
10 – 45 Days to FundWe lend in high-growth, supply-constrained markets with strong fundamentals. Our team brings direct owner-operator experience across the Sun Belt, Mountain West, Pacific Coast, and Pacific Northwest.
Directed by executives with decades of experience across commercial real estate, asset management, oil and gas, and renewable energy — professionals who have operated on the front lines of transactions and move decisively when others hesitate.
Serial entrepreneur who scaled previous businesses to over $200M annual revenue. Founded Greenlight Energy and PerfX Wireline Services — both acquired. Now provides strategic capital solutions across commercial real estate and private credit.
Over a decade managing complex asset portfolios. Previously Reserves Director at DJR Energy underwriting $1B in A&D opportunities and $250M annual capital budgets. Combines technical analysis with financial modeling for disciplined underwriting.
Nearly nine years in commercial real estate, land, and infrastructure. Previously Managing Director at EOS Land Holdings (2 GW solar capacity) and investment sales at Marcus & Millichap and Taylor Street. Over $100M in total transaction volume.
Previously Business Development Executive at EOS Land Holdings, leading outbound prospecting to landowners, brokers, and industry stakeholders across multiple U.S. markets. Focused on deal origination and relationship development.
We work with brokers, principals, sponsors, and developers across all commercial property types. If your deal doesn't fit a traditional box, we want to hear from you.
A member of our team responds within one business day.
When your clients need transitional capital, creative structure, or a lender who can actually close — bring the deal to 1Oak. We handle the financing, you stay close to your client, and earn 1% of the funded loan amount at closing.
Learn about the program →1Oak provides a discreet, efficient channel for institutional lenders to sell CRE notes and REO assets without market exposure. We underwrite fast and issue a formal term sheet within 48–72 hours of a complete submission.
Learn about the program →We're actively deploying capital across high-growth, supply-constrained markets. Reach out if your deal is in one of our target states.