Looking for an HOA condo association loan capital improvements solution? Anchor Commercial Capital provides assessment-backed financing from $250K to $25M+ nationwide. No personal guarantees are required from board members. Funding is available in 2–4 weeks for roof replacements, structural repairs, and major capital projects.
We finance the capital projects your community needs — without the red tape banks require.
Concrete restoration, balcony repairs, foundation work — when the engineer’s report says “now,” we fund now.
Boards facing years of deferred maintenance and underfunded reserves. We help you get caught up without crushing special assessments.
Milestone inspections, SIRS compliance, structural integrity reports — when the deadline is real and the work is mandatory.
Your association has the authority to levy and collect. We use that assessment stream as collateral — no personal guarantees needed.
Three steps. No board member personal guarantees. No bank committees.
Submit the form below with your project scope, timeline, and association details. We’ll review it the same day.
We evaluate your association’s financial health, reserve study, and special assessment authority — not individual board members’ credit.
Closing in 2–4 weeks. Funds disbursed so your contractors can get to work immediately.
An oceanfront condo association in South Florida needed $3.2M for concrete restoration after their milestone inspection revealed critical structural deficiencies.
Their bank wanted 18 months of audited financials and personal guarantees from every board member. Two other lenders declined because the association had pending litigation from a slip-and-fall incident on the property.
Board members were facing personal liability exposure and a compliance deadline that wouldn’t wait.
Anchor reviewed the assessment authority, confirmed the special assessment was already levied and collecting, and funded in 3 weeks. No personal guarantees from board members.
“Our bank wanted every board member to personally guarantee a $3.2 million loan. Anchor looked at our assessment authority and funded us in three weeks — no personal guarantees.”
— Board President, South Florida Condo Association
Our HOA condo association loan capital improvements programs are structured for associations — backed by assessments, not board members.
No. Our loans are backed by the association’s special assessment authority and the resulting revenue stream — not individual board members’ personal credit or assets. Board members serve as fiduciaries, not guarantors.
Pending litigation is one of the most common reasons banks decline association loans. We evaluate litigation on a case-by-case basis. If your assessment authority is sound and the litigation doesn’t threaten the association’s ability to collect, we can typically move forward.
Yes. That’s exactly why associations need financing — you can’t wait 12–24 months for every unit owner to pay their assessment before starting critical repairs. We fund against the levied assessment, so you can begin construction immediately while collections continue.
Any major capital improvement or repair project: roof replacements, concrete restoration, structural repairs, plumbing and electrical upgrades, elevator modernization, parking garage restoration, seawall repairs, common area renovations, and post-inspection compliance work (milestone inspections, SIRS).
Yes, we work with both professionally managed and self-managed associations. Self-managed communities may need to provide additional documentation around their financial controls and assessment collection processes, but we’ve successfully funded self-managed associations.
We understand association governance. We’ll work with your board, management company, and legal counsel throughout the process. We typically need a board resolution authorizing the financing, and we can provide guidance on what your governing documents require.
Tell us about your association’s project. We’ll respond within 24 hours — no obligation, no commitment fees.
All fields are confidential. Direct response within one business day.
Every deal is different. Here are other ways we can help.
Submit your deal for review and receive indicative terms within 24 hours.
No obligation. No application fee. Direct response from Brandon Brown.
