• Direct Commercial & Residential Real Estate Loans
    From $250,000 to $30,000,000

  • Debt/Equity Solutions
    Structured Financing Up to 90% LTV

  • Residential & Commercial Loans
    We start.... where the banks stop.

  • Direct Private Commercial Lender
    With rates as low as 5.25%

  • Over 23 Years of Real Estate and Business Lending Experience
    Franchises - Hotels - Retail Centers

  • Fast & Flexible Financing - Quick Approvals
    Get cash when you need it...

Blog Image

Lending Programs

Northwind Financial is a direct lender that specializes in creative financing solutions...

Blog Image

Creative Programs

Private and Institutional investors can help provide creative solutions to your financing needs...

Blog Image

Apply for a Commercial Loan

Simple Online Application Process - We provide quick, easy and FREE initial approvals...

Commercial Loans

It's all we do! Established in 1997, Northwind Financial is a direct private commercial lender for real estate transactions. Our primary objective is to meet our borrower's need for commercial financing with efficiency, flexibility and professionalism - especially in difficult situations.

Both as a direct lender and through our affiliated partners, Northwind provides commercial real estate financing and debt/equity corporate structured financing for borrowers in unique situations anywhere in the United States - and for projects located in select countries around the world. We focus on providing timely, reliable, and customized solutions that are not accessible through banks and traditional lenders.


We are solution oriented. Each transaction is unique, and needs to be treated with a specific targeted solution in mind. That's where Northwind excels.... Our team of professionals have been been in the commercial finance world for many years, and we focus on transactions that require a personal touch due to difficult or unusual circumstances.

As part of Red Oak Capital, and backed by various private banks, investors and institutional capital, Northwind Financial specializes in hard money lending situations, bond and securities financing (such as 144a, Reg D, Reg X, etc.), credit enhancement financing (such as SBLC, LC, BG and bank instruments), and other corporate finance solutions.

Apply Today! It's FAST and it's FREE! We want to look at your commercial loan request... The application process is simple and quick, and we will provide you with a fast answer as to whether or not we can help you.

So give us a try today - we think you'll like the Northwind difference!


Northwind Corporate Operations Center


Closed Transactions

We specialize in evaluating and funding commercial loans quickly and creatively - and getting them CLOSED!

We will finance a wide variety of commercial and residential loan requests, including multifamily apartments, retail centers, office buildings, hotel/resort and hospitality, manufacturing/industrial, student housing, franchises, developments, rehabilitation, and new construction - just to name a few.

Here are some recent examples:

  • Multi-family - 230 units; $18,500,000 - 22 days
  • Resort/Hotel - $22,500,000 - 36 days
  • Self-storage Facility - $5,200,000 - 24 days
  • Restaurant/Bar - $750,000 - 12 days

What our Clients say…

Our goal is to produce results that fit your unique situation. We have had the pleasure of dealing with many happy clients over the years,
and here is what just a few of them have had to say…