Approach Lending is a Knoxville-based, balance-sheet lender. We fund fix & flip, bridge, and new construction loans from our own capital — so when we say you're closing, you're closing.
From your first flip to a 30-unit multifamily, we evaluate the deal — not a checklist. If there's market demand and you have skin in the game, let's talk.
Purchase + rehab financing for distressed properties. Up to 70% of ARV. First deal welcome — deal quality and collateral drive the decision, not your track record.
Up to 70% ARVPurchase and rehab now, then refinance into a long-term rental. We bridge the gap and can connect you with a DSCR partner for the exit leg.
Bridge to DSCRShort-term gap financing when you need to move before your next event. Commercial bridge available. Ideal when timing is everything.
Short-Term CapitalSingle-family ground-up in Tennessee. We know East Tennessee submarkets personally — we pull our own comps and visit properties ourselves.
TN OnlyRetail, commercial bridge, and multifamily up to 30–40 units. We evaluate deals that institutional lenders won't touch.
Up to 30–40 UnitsYour lender backed out. Your deposit is on the line. We've closed in 24 hours for borrowers in exactly this situation. Call us before you lose your earnest money.
24-Hr Close PossibleEvery lender claims speed and reliability. Here's the structural difference.
There's no capital partner above Chris and Flynt who can pull funding the week before closing. When we commit, we close. The rate and fees you're quoted are the rate and fees at your signing table.
You have Chris and Flynt's direct contact throughout the process and after closing. Not a loan officer reading you a rate sheet — the people who actually approve your deal.
Competitors send third-party inspectors and require invoices and lien releases — then make you wait 3–5 days. We request videos. Draw funds are released next business day.
We pull our own comps. We visit properties. Chris and Flynt have personally invested in East Tennessee real estate. No algorithm decides your deal — people who know the market do.
Most deals close in 10 days. Urgent situations move faster. Here's what to expect.
Fill out the form or call us directly. We talk in plain language about property, leverage, and timeline.
Rate, points, and terms — all in writing. What you see is what you close at. No surprises later.
No full appraisal required. Photos and video evaluation. We move fast because no committee waits on us.
Funded from our own capital. Title companies tell us we're the easiest lender they work with. You'll see why.
30 five-star Google reviews. No script. Just borrowers who needed capital and got it.
No hidden fees, no moving targets. These are the terms you'll see on your commitment letter — and at closing.