ZFG is a Direct Lender that lends on investment 1-4's, 5+ Units, Commercial Properties, and more. We are a small balance lender our general lending range is from $75,000-$5,000,000 (We will consider beyond that on case by case evaluations. Our primary evaluation is based on the subject property and strength of the borrower. If you are a foreign investor, have some credit challenges do not worry we have programs that will work for you too!


  • We have No Income, No Asset, No Tax Verification Programs

  • Will finance a wide variety of investment property types for both new lending and refinancing.

  • Easy to work with, quick response, and very competitive.


  • Requires collateral meet conditions.

  • No Primary Residence Financing, Investor programs only!

  • No Special use,i.e. Hotel-Motel, Special-Use, Chemical Facitilities and a few other types of property excluded.

Best for:

  • Investors looking to grow their portfolio

  • Business owners with poor to better credit with capital to put down. 

  • Investors with multiple properties in a state looking to maximize for capital re-organization. 


Our 3 Step Process:


1. Apply

Fill out our Quick Apply application.


2. We review your application

We review your goals and present you with programs matching your needs, getting an offer in 24 hours.


3. Receive funding

Choose the program that fits you best  quick closings!