Lending Solutions
Financing built around your community.
From planned capital improvements to unexpected repairs, Association Lending Solutions helps HOAs, condominium associations, and co-ops access financing for the projects their communities need.
Non-Recourse Term Flexibility Preserves Reserve Fund Growth 
Fund what your community needs next.
Major projects are part of maintaining a strong community, but reserves may not always cover the full cost when the work needs to happen.
Association financing can provide another way forward, allowing your association to fund necessary projects while spreading costs over time rather than relying entirely on a large, immediate special assessment.
We help associations navigate the financing process and connect with lending partners based on their project and financial needs.
Solutions for planned projects and unexpected needs.
Whether fulfilling mandated engineering recommendations or executing urgent infrastructure overhauls, our lender network structures facilities for diverse association programs.
Capital Improvements
Invest in improvements that maintain, modernize, and add long-term value to your community.
Examples may include: Building renovations Common-area improvements Exterior improvements Amenity upgrades Major modernization projects Repairs & Replacements
Address aging building components and essential systems before they become larger problems.
Examples may include: Roof replacement Siding and exterior repairs Windows and doors Elevators HVAC and mechanical systems Plumbing and electrical systems Infrastructure
Finance major infrastructure projects that keep your community functioning safely and effectively.
Examples may include: Roads and private streets Parking lots and garages Sidewalks Drainage and stormwater systems Utilities Other shared infrastructure Unexpected & Emergency Needs
When an unexpected expense can’t wait, financing can help your association respond without relying entirely on available reserves or an immediate large assessment.
Examples may include: Storm or weather damage Emergency building repairs Unexpected system failures Insurance-related expenses Time-sensitive structural repairs Give your board another way to move forward.
A major project doesn’t necessarily need to be funded all at once.
Financing can help associations address necessary work while maintaining financial flexibility and distributing project costs over a longer period.
The right approach depends on your association’s financial position, project, reserves, assessments, and long-term plans. Association Lending Solutions helps you understand available options and navigate the process with confidence.
Protected Communities Nationwide Intergenerational Equity
Ensure current and future homeowners share fairly in paying for long-lived assets that benefit decades of residents.
Immediate Project Execution
Prevent escalating construction inflation and cascading deterioration by funding projects immediately.
Reserve Preservation
Protect reserve balances so your association remains healthy, compliant, and prepared for unforeseen events.
A straightforward path to financing.
We take the mystery out of HOA and condo lending, supporting your volunteer board from preliminary review to final disbursement.
01
Start your application
Tell us about your association, project, and financing needs.
Takes ~10 minutes02
Explore financing options
We’ll review your information and help identify potential financing opportunities through our lending partners.
Multiple quotes analyzed03
Complete the lending process
Additional documentation and underwriting requirements will depend on the lender and financing solution.
Guided documentation04
Fund your project
Once approved and finalized with the lender, financing can be put to work for your community.
Project ready Take the First Step Ready to get your project moving?
Whether you’re planning ahead or responding to an immediate need, take the first step toward financing your community’s next project.
Association Lending Solutions is not a bank. Financing is provided by third-party lending partners and is subject to lender approval, eligibility requirements, and applicable terms.