Private Lending · NC · SC · GA
Built for Investors.
Run by One.
REI Transactional is a private lender based in Clayton, NC. We fund deals for real estate investors who need speed, certainty, and a lender who gets it.
Our Story
The Lender Who Gets It Done
Loren Wernette started REI Transactional to solve a simple problem. Real estate investors kept getting burned by slow banks. By the time a bank said yes, the deal was gone.
Loren built REI Transactional from the ground up. No bank lines. No institutional debt. Just a focus on speed, clarity, and doing right by borrowers — backed by private capital from people who believe in the mission.
Today, REI Transactional funds bridge loans, fix-and-flip loans, second position loans, land development loans, and double close transactions. We serve investors in NC, SC, and GA.
We reply in one business day. We close fast. We don't waste your time.
"Banks want to lend on yesterday's deals. Investors need money for today's. That's the gap we fill."
— Loren Wernette, Founder & CEO
How We Work
Simple Rules. Every Deal.
We built REI Transactional around a few things we believe matter most. These aren't slogans. They're how we actually run.
Speed Is Everything
We reply in one business day. When you call, a real person answers. We know that in real estate, slow means losing the deal.
We Fund the Deal
We look at the property and the exit — not your W-2. If the deal makes sense, we find a way to say yes.
No Surprises
We say what we mean. Terms are clear upfront. No hidden fees, no bait-and-switch, no changing the deal at the table.
We Back Builders
Our borrowers are investors — people who find deals, add value, and create jobs. We take that seriously. We're not just a bank. We're your lender.
We Know the Market
We only lend in NC, SC, and GA. We know these markets well. That's how we move fast and make confident decisions.
Institutional Standards
We operate like a professional lender — clear documents, clean closings, and a process that protects everyone.
The Team
The People Behind the Loans
Small team. Deep experience. We handle underwriting, funding, and servicing in-house — so you always know who you're talking to.
Zak brings deep experience in finance and capital management to the team. With a background in financial modeling and risk analysis, he makes sure our funding isn't just fast — it's sound. His focus is structuring deals that work for everyone: the borrower, the buyer, and the business.
"Funding should support your growth, not slow it down. We've built our process to do exactly that."
Beyond the Loans —
The Brick by Brick Podcast
Loren hosts Brick by Brick, a podcast about building wealth through real estate. He talks to investors, lenders, and operators about what's actually working in the market right now.
Brick by Brick
Real talk from real investors. No fluff, no theory — just the strategies and deals that move the needle.
Ready to Work Together?
Apply in minutes. We'll get back to you in one business day.
No upfront fees · No credit check · Serving NC · SC · GA
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