Constitution Lending

Constitution Lending

Constitution Lending

Constitution Lending

Earn 8%-12% investing in high yield loans backed by Real Estate.


4.5% - 12%

Asset Class Return1Y

#0 Rank

In Lending30d


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Constitution was built for accredited investors that want to participate in a high yielding safe asset class previously only available to hedge funds and other institutional investors. You have the ability to choose what loans you want to invest in. All loans have already been underwritten by their experienced investment team. Constitution invests alongside it's investors on every deal, they only make money if you make money. Once you've invested in a loan you will starting earning income from interest payments. You can track your total income and balance on your Dashboard.

Things to Know

  • You make money on


  • Fees


  • Min Investment


  • Payout frequency


  • Term of investment

    9 months

  • Target Return

    8% - 12%

  • Liquidity


  • Open to

    Accredited Only

  • Mobile Application


Top Perks

  • Investors pay no out-of-pocket fees

  • Start with as little as $1,000

  • Get monthly payments in your bank account

How you make money

With Constitution’s platform you can participate in real estate deals with fewer risks and none of the property management headaches. When you invest in a loan on their platform you are investing in a Borrower Dependent Note (BDN). The performance of the BDN correlates directly with the performance of the note that you selected to invest in. The underlying note is typically a first-position mortgage or similar security. While the note that you purchase is unsecured, the terms of your note gives you rights to the proceeds generated from the underlying note that is securing the real estate — hence the name 'Borrower Dependent.'


Most loans have a maturity date of 6 to 18 months. The average loan is paid back within 9 months. Most loans pay monthly so investors will get paid on the first of every month. In the first 6 months you will be paid regardless of whether the borrower makes a payment thanks to their borrower payment guarantee! The interest rates of each loan differs, but typically most loans fall within 8%-12% range with their historical average return since inception for all loans has been 10.23%.

How Constitution Lending makes money

Constitution invests alongside it's investors on every deal, they only make money if you make money. Investors pay no out-of-pocket fees, they only get paid when you get paid. Like all lenders they take a small fee from the borrower’s monthly payment to cover their cost of servicing the loan. They also deduct a small premium from the monthly payment. This allows them to guarantee investors in all of their loans 6 months of payments so if a borrower defaults they’ve got you covered. 

Is it safe?

Their robust underwriting process prioritizes the protection of investor capital. Loans are capped at LTV 75%, so there is a lot of equity protecting your investment. Investment risks are a spectrum. Real estate loans are lower risk than stocks or investing in crowdfunded real estate deals, but riskier than investing in US treasuries. The biggest risk to a real estate loan is that the value of the property drops by more than the down payment. Since they always require borrowers to make a down payment of 30%, a property would need to default AND lose about 30% of it's value before you start to lose principal.


An equity pledge is an agreement between a borrower and a lender. In the case of default, the lender can foreclose on the LLC interest that owns the property instead of directly foreclosing on the property thus circumventing the judicial foreclosure process. Typically this means a significantly faster principal payback process for investors.

  • Established


  • Country Available

    US Only

  • Assets Managed



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