Flexible Loan Options Built 
for Real Estate Investors
Whether you’re flipping, renting, building, or something in between. 

We have a solution to fit your needs.
100 million + loans originated
250+ unique clients serviced
Over 90% repeat borrowers
About Us
Why Choose Us?
At Black Swan Lending, transparency and integrity are at the heart of everything we do. We believe in full disclosure – no hidden fees, no fine print. Our goal is to lift the burden off our clients by handling all documentation, insurance, and title coordination, so investors can stay focused on closing the deal.
As a boutique lender, we pride ourselves on building long-term relationships. Every opportunity is underwritten with care, and we provide honest, strategic feedback to help our clients make informed financial decisions aligned with their goals.
Trust, integrity, and your success aren’t just values – they’re our promise.
Loan Programs
Innovative Solutions for Investors
Our loan products are built to meet the needs of investors across many different strategies and throughout the life cycle of an investment property.
Stabilized Bridge Loan
Ideal For:
- Rent-ready or stabilized properties
- Short-term capital for acquisition or refinance
Not Ideal For:
- Properties needing renovation
- Long-term hold strategies
Fix & Flip Loans
Ideal For:
- Buying, renovating, and reselling quickly
- Refinancing + rehab projects
Not Ideal For:
- Long-term rentals
- Turnkey properties needing no rehab
Multifamily Loans
Ideal For:
- 5+ unit properties and apartment complex
- Mixed-Use Properties with 50%+ of Residential Space
Not Ideal For:
- 1-4 unit properties
- Inexperienced operators
Ground-Up Construction Loans
Ideal For:
- Build-Ready Lots & Residential Communities
- General Contractors
Not Ideal For:
- Light renovations or additions
- Extensive Land Development
DSCR Rental Loans
Ideal When:
- You're building a long-term rental portfolio
- Financing a vacation rental or furnished rental
Not Ideal When:
- The property needs major rehab
- You plan to sell shortly after closing
Business Term Loans
A lump sum of capital repaid over a fixed term with a set interest rate.
Best for
Long-term investments like equipment, expansion, or working capital.
Key features
- Predictable monthly payments
- Fixed repayment schedule (e.g., 1–5 years)
- Based on business credit, financials, and performance
Small Business Loans
Everyday business needs—inventory, payroll, marketing, etc.
Best for
Everyday business needs—inventory, payroll, marketing, etc.
Key features
- Typically smaller loan amounts
- Can include short or medium terms
- May require less documentation than traditional term loans
Business Lines of Credit
A flexible credit line you can draw from as needed, up to a set limit—only pay interest on what you use.
Best for
Managing cash flow, unexpected expenses, or seasonal gaps.
Key features
- Revolving credit (similar to a credit card)
- Reusable once repaid
- Great for short-term, repeat needs
Revenue-Based Loans
A loan repaid as a percentage of your business’s revenue (often daily or weekly), rather than a fixed monthly payment.
Best for
Businesses with steady sales but limited credit or collateral.
Key features
- Repayment adjusts with your revenue
- Faster approval and funding
- Can be more expensive than traditional loans
SBA Loans
Loans partially guaranteed by the U.S. Small Business Administration (SBA)
Best for
Businesses looking for low rates, long terms, and higher amounts.
Key features
- Longer repayment terms (up to 25 years)
- Lower interest rates
- More paperwork and time to fund (but great terms)
Asset-Based Lending
Loans secured by business assets—like real estate, equipment, inventory, or accounts receivable.
Best for
Businesses with valuable assets but limited cash flow or credit.
Key features
- Flexible structure based on collateral
- Often used for larger or more complex financing
- Can be used for working capital or restructuring
Portfolio Highlights
Recent Closings
Term: 15-Mo, Interest Only
Rate: 10.00%
LTC: 85%
Ground-up Construction
Purchase loan for the acquisition of a buildable lot with new construction financing for a first-time investor working with an experienced General Contractor
Loan Amount:
$861,955.25
Construction Budget:
-
Term: 18-Months, Interest Only
Rate: 10.50%
LTC: 85%
Ground-up Construction
Refinance loan on teardown Single-Family Home with new construction financing for an experienced fix & flipper’s first new construction build
Loan Amount:
$1,670,420.00
Construction Budget:
-
Term: 12-Months, Interest-Only
Rate: 12.24%
LTC: 90%
Fix and Flip
Purchase loan on a Single-Family Home with fix & flip financing for an experienced investor with sub-par credit
Loan Amount:
$149,800.00
Construction Budget:
-
Term: 18-Month, Interest Only
Rate: 9.25%
LTC: 90%
Fix and Flip
Purchase loan on a cash-flowing triplex with fix & flip financing for an experienced real estate investor.
Loan Amount:
$750,000.00
Construction Budget:
-
Term: 12-Months, Interest Only
Rate: 9.89%
LTC: 95%
Fix and Flip
Purchase loan with renovation funds for a fix & flip project in Winston Salem, NC for an experienced real estate investor with only 5% down
Loan Amount:
$267,600.00
Construction Budget:
-
Term: 15-Mo, Interest Only
Rate: 9.00%
LTC: 85%
Fix and Flip
Purchase loan with renovation funds for a fix & flip project in Richmond, VA for an experienced real estate investor
Loan Amount:
$288,000.00
Construction Budget:
-
I worked with Austin Hegele for a construction loan for my company Maryvic Builds. I cannot recommend him highly enough. Throughout the entire process, he was exceptionally diligent, professional, and kind. What stood out most was his responsiveness(at all crazy times); he was always available to address my concerns and move the file forward.
Austin truly went above and beyond by vouching for me as a client to underwriters! He ensured my loan was secured even under an incredibly tight deadline. Not only did he deliver on time, but the terms provided outperformed every other offer I received. Specifically, the six-month interest reserve has been an invaluable asset to my financial planning. If you re-read, it’s a win, on a win, on a win, on a win. Highly recommend.
Maryvic Perez
15/01/2026
Working with Black Swan was an awesome experience. We worked with Austin Hegele, he truly goes above and beyond for his clients. 10/10 recommend working with him!
Valeria Tabares
16/01/2026
Everything youd want in a rehab lender…responsive, smooth, streamlined and easy process. Will definitely do business with again.
Matt Hipp
08/01/2026
Austin & team were great to work with. I expressed the importance of needing this deal to close and he did what he needed to do to ensure so. He worked collaboratively with myself, my agent, and our closing attorney in a timely fashion. We strategized on several routes based on my desired outcome and we closed smoothly and within the agreed upon timeline. Highly recommend! Creative product options as well.
Lea Aylor
25/11/2025
Black Swan Lending delivered an exceptional experience from start to finish. The transaction was flawless—clear communication, precise execution, and absolute professionalism at every step. There were no surprises, no friction, and no loose ends. That level of consistency is rare and deeply appreciated.
Austin Hegele’s leadership sets the tone. He is knowledgeable, responsive, and decisive, with a calm confidence that inspires trust throughout the process. It’s evident this team values preparation, integrity, and results—and they execute accordingly.
If you’re looking for a lending partner who operates at the highest level and treats every detail with care, Black Swan Lending is beyond reproach. Highly recommended.
Kyle D. Smith
27/12/2025
Working with Austin and Black Swan Lending was a game changer for me.
Austin helped me on my very first flip — he literally held my hand through the entire process and made sure I understood every step. He’s patient, professional, and goes above and beyond to make sure things go smoothly. Super helpful, full of high-value insight, and genuinely wants to see you succeed. Can’t recommend him and Black Swan Lending enough!
Tom Cannarozzo
22/11/2025
Great individual, easy to work with and very straight forward. I highly recommend
Ansar Malik
27/11/2024
I closed 2 deals through Austin and I’m very pleased working with him. He is organized and work very fast!! See you on the next one
Karin Povolozki-Rabichev
13/04/2022
One of the best experiences I’ve had with any lender. Austin goes the extra mile to help you out. Thanks so much!
Larry Tuch
20/05/2023
Austin Hegele and I have worked together on several Real Estate transactions. I would definitely recommend him in the future. Very knowledgeable and responsive.
Amanda
11/11/2022
Austin is fantastic!
He can get extremely creative to help find solutions to situations that sometimes feel impossible.
So glad to have worked with him.
Mike Piasecki
14/11/2024
Austin did a great job helping me to secure a 3 duplex pacakgage deal. His communication is on point and service excellent. I will definitely continue using Austin for my investment deals. I highly recommend him!
The MarKam Group
09/06/2022
Austin was great. Thank you for guiding me through the process.
Juan Gongora
11/04/2025
Austin / Black Swan Lending is great to work with. Austin made the lending process easy for our real estate investing needs.
Matt Winfree
08/08/2024
Working with Austin on his loans has been an excellent experience. We have closed several of his loans, and each time, he has been on the ball! Terrific at communicating between all parties, intelligent, and very efficient at his craft.
Jeff Billiet
30/09/2024
Austin is a great person to work with! He is full of information and very helpful when it comes to all your questions involving loans. He is very knowledgeable, responsive, and super informative throughout the whole process. Could not say enough great things!
Cort Birmingham
17/10/2024
Working with Austin has been nothing but amazing. Very knowledgeable guy, he has walked me through the entire loan process very thoroughly and is very quick to respond. Any questions I may have even after closing.
I highly recommend him to any investor out there looking to start building or flipping homes with hard money, can’t recommend Austin enough.
Sebastian
20/09/2024
Great overall experience. Austin was able to get loan closed very quickly and easy to get in touch with (even after hours). He is dedicated to finding the best solution and very knowledgeable. I highly recommend him
Tristan Lynn
23/08/2024
Austin was extremely professional and got the job done! He and his team are thorough and I will be using him again for future home purchases. I highly recommend!
Alejandro Soto-Perez
05/08/2024
Austin and his team made the loan process easy. Highly recommend!
Brendan Gelson
16/07/2025
Contact Us
Proven Team. Trusted Lending Partner.
With extensive industry expertise and an unwavering commitment to service, our team has successfully partnered with hundreds of real estate investors on projects nationwide.