Your One-Stop Solution for Local Hard Money in OKC!
Direct lending for your next real estate project!
Flexible loan solutions!
Whether you need funds to purchase, wholetail, refinance, or rehab, we have the right loan for you!
Request A Quote
Wholetail Properties
Need to close on a property and sell it later rather than assign the contract or double close? We got you covered!
Fix and Flip Properties
We can fund most of the purchase cost, all of your renovation costs, and get paid off when you sell the flip to the end buyer.
Rental Properties
We can fund most of the purchase cost, all of your renovation costs, and get paid off when you rent it out and secure long term financing.
Brett Sullivan
Founder / CEO
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About Prosperity Lending
With over a decade of hands-on real estate investing experience, I’ve built my career around understanding what makes a renovation successful—and what can derail it. I’ve operated buy-and-hold rentals, managed full-scale renovations, completed flips, overseen wholesales, and built project management systems that keep projects running smoothly. Today, my wife and I manage a portfolio exceeding $9 million in real estate assets.
Before becoming a private lender, I spent 16.5 years as an aerospace engineer for the U.S. Air Force, including work on structural repairs for the E-3 Sentry and serving as the Lead Engineer for Air Force Two. I’ve managed several multi-million-dollar construction projects for the Air Force—experience that sharpened my attention to detail, risk assessment, and financial discipline.
I bring that same engineering mindset to lending: clear analysis, smart risk management, and a focus on helping investors complete profitable projects. I evaluate projects with an investor’s eye and structure loans designed to help your project succeed. When you borrow from me, you’re not just getting capital—you’re getting a partner who understands how to turn distressed properties into profits. I understand the challenges of a flip and the importance of having funding that works as fast as you do.
Whether you’re taking on your first flip or scaling your operation, my goal is to be a dependable financing partner who understands the realities of real estate—from demolition day surprises to final inspections—and helps you get from purchase to profit with confidence!
How it Works
In 3 Simple Steps
1) Apply / Request a Quote
Tell us about your project, and what constraints you may have. We’ll follow up with a phone call and put together a quote with the best loan solution for you.
2) Paperwork and Closing Prep
Submit the necessary paperwork, and we will order the appraisal (if necessary), prepare your loan documents, and work with your title company to get everything ready.
3) Closing
The loan closes, usually at a title company. We wire the funds you need to purchase your property so you can execute on your exit strategy with confidence.
Reliable Funding Means Confident Closings
Hover Over/Click Each Picture To Learn About Our Loan Offerings!
House Flipping Loans
For a quick and easy private loan for your flip, Prosperity Lending will tailor a loan solution to ensure your next flip is a WIN!.
Rental Loans
If long term financing requires a seasoning period, we will finance your purchase and improvements through lease up until
Short-Term Loans
AKA wholetail loans, for when compliance with wholesaling laws means you need to close before marketing.
Renovation Costs
We’ve got you covered! We typically will loan 100% of your renovation budget.
Bridge Loans
When a quick close allows you to seize a time-sensitive deal that can’t wait on the bank’s timeline.
FAQs?
If you’ve never taken a hard money loan before, it can be pretty overwhelming. It’s important to ask questions and receive answers that give you confidence in our product. If you have any questions not listed here, please reach out to us and we would be very happy to discuss with you.
How fast can we close?
Hard money loans can be substantially faster than traditional bank loans. You can get a loan quote and approval within just a few days, and closing can happen in as little as one week.
What are the lender fees?
Depending on the loan structure, there will be points ranging from 3-5% of the total loan amount. You will also incur reasonable fees as applicable for the property inspection, appraisal, title fees, and document prep. All fees will be shown on your loan quote when you apply.
What are the loan terms?
The answer will vary from deal to deal. We can tailor loan terms for special situations, but generally, the interest rate will be between 12-14%, interest only payments, with 3-5 points charged at closing, and a 6 month term.
What documents will I need to submit?
After receiving your loan quote, and approving of the terms, we will need copies of your state ID, LLC docs, rehab scope of work, and proof of insurance.
Do I have to put money down?
In general, yes. We will typically lend up to 80% loan-to-purchase at closing, but if you got a smoking hot deal, we can potentially loan more. We can sometimes roll your closing costs into the loan. Every deal is different. Just bring us your deal, and we will help you find a way to make it work.