Lender profile
Griffin Funding
hard money · founded 2013
Verified Sep 17, 2026
Griffin Funding is a direct hard money and DSCR lender founded in 2013, licensed in 47 states. It lends up to $4.5M in-house with exceptions considered to $20M, and offers a no-ratio DSCR program. Published DSCR rates run 6.1%–7.5%, with a 620 minimum credit score and 0.75 minimum DSCR. Griffin Funding is a hard money lender, founded in 2013, describing its footprint as "National".
For a rental investor, the products on file are rental DSCR. On the deal itself, Griffin Funding publishes loan sizes up to $5,000,000 and leverage up to 80% LTV / 80% LTC. Griffin Funding originates directly, with no broker in the loan.
No SEC filing establishes a corporate-ownership relationship for Griffin Funding— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its published lending figures were last checked against a source it published on Sep 17, 2026.
Published facts
Loan size
Up to $5,000,000
Max LTV
80%
Max LTC
80%
Min credit score
620
Min DSCR
0.75
Rate range
6.1% – 7.5%
States covered
47
Channel
Direct
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — Griffin Funding is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
Only hit is Cardinal Health, an unrelated healthcare distribution company matched on generic words; no SEC registrant relationship found for Griffin Funding.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What Griffin Funding has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask Griffin Funding about, not as a criticism. Of the 11 criteria categories this directory tracks, Griffin Funding has not published 4:
- Points range (21 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
- Loan terms (21 of 38 lenders here publish it)
- Typical close time (21 of 38 lenders here publish it)
Products
- rental DSCR — a 30-year rental loan qualified on the property's own rent-to-payment ratio rather than the borrower's tax returns See the glossary entry.
Strengths
- In-house lending up to $4.5M, with exceptions considered to $20M
- No-ratio DSCR program available
- Licensed in 47 states
- Direct lender
Who this lender suits
Investor seeking a direct DSCR lender with high in-house loan limits and a no-ratio program for below-market-DSCR properties.
Deal scenarios Griffin Funding clears
Griffin Funding's published criteria clear 10 of the 119 deal scenarios this site tests — computed the same way every /loan-for/ page computes its own roster, from the stored fields above, not curated by hand. A scenario only counts here if its numeric rules actually narrowed the lender pool; scenarios that match on product tags alone are left out.
Credit and qualification (2)
Cash flow and DSCR (1)
Purpose and structure (5)
Leverage and pricing (2)
How Griffin Funding compares
Griffin Funding is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set Griffin Funding's published figures side by side with any other lender's profile directly. Open the directory.