StrataX
Silverback Capital

We fund what the banks won't touch.

Silverback is the private lending arm — Sacramento-headquartered, now nationwide. Bridge, construction, and hard money financing for ADUs, infill density, SB9 lot splits, fix-and-flips, and non-conforming residential builds. Fast, flexible, and structured by people who actually build.

From 6.99%
LTC starting APR
1–3 days
Term sheets
10 days
Bridge loan funding
$100K – $12M
Loan range
Nationwide
Construction lending
Hard money
Bridge · Fix & flip · Infill
What we lend on

Project-first. Asset-backed.

  • ADU & infill construction
    Including SB9 / AB1033 driven density projects.
  • Bridge financing
    Acquisition, refinance, and short-term capital plays.
  • Fix & flip
    Residential value-add with clear exit.
  • Lot splits & condo conversions
    Non-conforming structures conventional lenders skip.
  • Owner-builders & developers
    From single-project sponsors to multi-deal operators.
Silverback Capital
Step 1 of 3

Request a term sheet.

Tell us about the project. We'll come back with a term sheet in 1–3 business days.

Soft inquiry only — no impact to your credit score. We never sell your information.

By submitting, you agree to be contacted by StrataX Development or Silverback Capital. We don't share your information.

What lenders say

"Dave is the best hard money lender I have ever worked with. He gives excellent rates and awesome leverage."

Neil Cowan
Keller Williams Realty

"Dave gets deals done that no one else could get done!"

Jaclyn Little
Keller Williams Folsom Lake Estates

"Silverback's overall knowledge on loans, money and market conditions has been excellent."

Tom Leonard
Coldwell Banker Realty