Join Our Loyalty Program
Every Deal Makes the Next One Cheaper
Sixty-five percent of our borrowers come back for their next deal, and this program is a big part of why. Every loan you close with us steps your pricing down: close four deals and you're at 9.99% and two points. A few more beyond that and you're at 9.99% and one point — cheaper than the institutional rates, with Chris and Flynt still answering their own phones. No sign-up, no membership fee, no portal to check. Loans from $50,000 on 9-month terms, closings in 10–14 days.
- No sign-up or membership fee
- Enrolled on your first funded loan
- Pricing drops at deal four
- Every closed loan counts
★★★★★ 30 five-star Google reviews · 300+ loans and $53M+ funded since 2021 · 65% repeat borrowers
How the pricing ladder works
Most lenders get more expensive the longer you work with them. Private lending done right goes the other way.
Standard pricing here runs 9.99% to 12.99% with two to three points, set the usual way — credit, location, experience, and income. That carries you through deal three. At deal four the factors stop mattering so much, because the floor becomes the floor: 9.99% and two points for every borrower, regardless of where you started.
- Deals one through three — standard pricing, 9.99% to 12.99% with 2–3 points
- Deal four — 9.99% and two points, automatic for every borrower
- A few more closed deals beyond that — 9.99% and one point
- Every funded loan counts — fix and flip, fix and hold, or bridge, including deals you run at the same time
A point is one percent of the loan amount. On a $150,000 loan, going from three points to one puts $3,000 back in the deal — every deal, from then on, without asking for it.
Why an institutional lender can't copy this
Institutional hard money is priced off a matrix, because the loan gets sold on a secondary market before the ink dries. Nobody in that chain can cut you a break for being a good client — the loan isn't theirs anymore. We lend our own money, and there's no one above Chris and Flynt who has to approve your pricing. Loyalty pricing isn't an exception process here. It's the standard one, and it's already pulled experienced borrowers in our own market off institutional platforms.
How you climb it
Nothing to enroll in, nothing to track. The loans you close do the counting.
Close your first loan
Standard pricing, 9.99% to 12.99% with two to three points. You're in the program the day it funds — there is nothing to sign up for.
Keep closing
Every funded loan counts, anywhere in our footprint, and there's no hard limit on running several deals at once.
Hit deal four
Your pricing steps down to 9.99% and two points. It shows up on the next term sheet, not after a review cycle.
Keep going
A few more closed deals beyond that and you're at 9.99% and one point. That's below institutional rates, with the same two people on the phone.
Bring us what the box won't take
Smaller markets, cross-collateral structures, rehabs that cost more than the purchase price. Loyalty here isn't only pricing — it's a lender who will actually look at the deal.
What loyalty means when a deal goes sideways
The pricing ladder is the loud part. This is the part that matters more when the rehab runs long or the sale slips.
Ask borrowers who left an institutional lender why they left and you hear the same four things: the process wasn't what they were told, the fees were different at the end, the construction draws were a pain, and they couldn't get anyone on the phone. Loyalty, to us, is what you get instead of that list.
- Extensions when the timeline slips. Permitting delays and slow sales are normal in this business. If you're paying and communicating, extensions are generally available
- A payment deferral when cash gets tight. One deferral mid-rehab puts roughly $1,500 back in your pocket — often enough to finish a phase and trigger the next draw
- Chris and Flynt after closing. Direct access to the decision makers, not a servicing queue or a portal
- Terms that hold. The rate and points on the commitment letter are the ones at the closing table
The one thing we ask back
Call us early rather than late. The options at week six are better than the options at week twenty, every time. If a term runs long because permitting or a sale slipped and you're paying and communicating, we'll work it out. What doesn't work is silence.
Where loyalty pricing doesn't apply
The honest edges, up front, so you're not discovering fine print at the closing table.
- It isn't retroactive. Tiers price your future loans. Closed loans keep the terms they closed at.
- It isn't a rewards program. No points to redeem, no app, no status levels to track. The pricing is the whole program.
- It doesn't run on silence. Extensions and deferrals exist for borrowers who communicate. Go quiet on us and it's a different conversation.
- It doesn't travel outside our footprint — Tennessee, Georgia, North Carolina, Alabama, and Virginia.
- It doesn't cover owner-occupied homes, land, mobile home parks, or RV parks — not at any pricing. Those aren't products we have.
None of this exists to catch you out. It's the same answers you'd get from Chris or Flynt on the phone, written down where you can check them later.
Repeat borrowers on working with us
All 30 of our Google reviews are five stars.
"I've done several deals with Christopher Davis at Approach Lending. They really saved me on a deal that another lender dropped the ball on."
— Kevin Dyke"I was able to close in as little as 10 business days. Done multiple deals with them and will continue."
— Chandlor Mullins"They lend their own money so they can be quick and nimble when funding your project."
— Peter AmreinLoan programs for loyaty borrowers
Same capital, same people, different shape of deal.
Fix & Flip Loans
The full picture on purchase-and-rehab financing: how we size the loan, how draws run, and what catches flippers out in Knoxville.
Fix & flip loans →Fix & Hold / BRRRR
Keeping it as a rental instead of selling? Same purchase-and-rehab loan, with a refinance as the exit.
Fix & hold loans →Bridge Loans
Short-term financing when your capital is tied up in one property and the next deal won't wait.
Bridge loans for investors →Rescue Closings
Your lender backed out days before closing. Roughly one in five loans we write is a deal somebody else was supposed to fund.
Rescue close financing →Cash-Out Refinance
Once you own it and it's stabilized, pull equity back out and put it into the next one.
Investment property cash-out →New Construction
Building rather than rehabbing, on a lot you already control. Single-family, Tennessee only.
New construction loans →See the full picture of our hard money lending across Tennessee.
Loyalty program questions
On deal three already?
Call and talk it through with Chris or Flynt. One conversation tells you where your pricing sits today, what it drops to at deal four, and what the deal after that looks like.
(865) 999-8083