With over 25 years of experience in both banking and real estate investing, we understand the fundamentals of a successful real estate investment and can help provide creative alternative lending solutions. We specialize in Tulsa real estate because we truly understand the market on a block by block level from our own investments.
Our Vision
If you’re looking for private money or hard money lending in Tulsa, OK, then Defiance Capital is your go-to company. By offering responsive service, we have been honored to receive referral business from our loyal clients. We provide thorough and transparent details about our lending process no matter your level of experience. We also enjoy providing our time to dive into during the process to assure you find the right opportunity to fit your goals.
We understand how irritating the lending process can be. Traditional banks can be slow and require additional time to satisfy all pre-close requirements. This is time that should be spent finding your next deal or getting your current project completed. Funding from family and friends might be an easy option, but can also be unpredictable and lead to awkwardness should the project not go as planned. Defiance Capital’s funding model allows the speed you need with the reliability that funding will be there when you need it.
Jake Lasko
After a fourteen-year career in commercial banking, Jake brought Defiance Capital to life in 2020. With a degree in Business Management from the University of Northern Colorado, Jake brings strong relationship-building and problem-solving skills to every interaction. Jake currently handles all Business Development needs of Defiance Capital, working daily to elevate the client experience. Being Fast does not mean cutting corners, and Jake is quick to take the extra time to walk a client new to alternative lending through the entire process.
When not finding financial solutions for his clients, Jake takes time with his wife and two boys. He enjoys an early morning workout, coaching his son’s sports teams, spending time on the golf course, and watching whatever sporting event is on at the moment.
Josh Rubin
Josh joined the Defiance Capital team in March of 2023 to launch the 30-year DSCR Loan program. He previously worked for 8 years in retail banking, where he learned the value of striving to go the extra mile for every client. Understanding that real estate investors are busy, he aims to make the refinance process as seamless as possible. Josh also assists Jake in the day-to-day running of the bridge loan business.
In his free time, Josh enjoys playing with his dog, shooting hoops, and snowboarding. He is also an avid crossfitter but promises not to talk about it too much.
What Sets Us Apart
With us, you don’t have to worry about any hidden fees or other trickery–we are upfront with everything thing from day one through the end of your funding experience. Here are five factors that differentiate Defiance Capital from the large national lenders:
1
Local Specialization
Defiance Capital specializes in Tulsa. By specializing in Tulsa, we can give you quicker and more constructive feedback on your deal. This allows us to be more responsive and understanding of your investment strategy.
2
Investor Knowledge
Defiance Capital is not a loan broker that is simply trying to shop your funding needs to the big national lenders and make a quick commission. We have our own capital sources so we can make thoughtful, but quick decisions.
3
Client Services
Most of the nationwide lenders are indifferent whether you are getting into a good investment or not. Our responsive and high-touch client services show we care and want you to be successful in the long term.
4
Customization
While the national lenders often have rigid guidelines, Defiance Capital will customize the loan to match your needs. We are willing to spend the extra time and try and find a solution that can work for everyone.
5
Reliability
We will return your call and provide proper follow-up before, during, and after. And with having our own capital sources, Defiance Capital has the ability to commonly fund purchase transactions within 10 business days.
Our Approach
Our approach is simple…use our understanding of the Tulsa market and lending systems to simplify the transaction for our clients. We do this through the combined experience our team has in the finance industry and real estate investing. We know our business inside and out so that we can have an educated conversation and find a way to structure a loan that creates the best “win-win” scenario.
Not only do we have an abundance of experience and industry knowledge, but we also provide personalized customer service, and we ensure the entire process, from start to finish, is as smooth as can be. Going through the lending process can be tricky and result in headaches. We do our best to make the process as painless and fail-proof as possible–we’ll never leave you hanging at the finish line!
Leverage our knowledge to ensure your next investment is successful. We bring integrity to each transaction, giving our clients the confidence they need to move quickly and secure their next project. Lastly, we are entrepreneurial ourselves and love to talk about how we can find mutual success with each interaction. We love to see our clients enjoy sustainable success.
Why Choose Defiance Capital?
There are several options you can take when funding your growing real estate business. Defiance Capital helps thousands of customers every year by matching them with the loan products they need. Check out the pros and cons of the different options:
 Bank |  Friends & Family |  Defiance Capital | |
Speed | Slow... Often painfully slow. | Depends. Emergencies can change the availability of the money. | Usually close in 10 business days or less. |
Reliability | Last minute denials can and do happen. | All approved loans have closed thus far if the borrower moved forward. | |
Service | Varies. Your loan may not always be high priority. | Depends. Usually friends and family are not professional lenders which can cause relationship awkwardness. | Often same day response to inquiries. |
Approval Process | Difficult. Lots of documents required. | Friendly, particularly after the first loan. | |
Appraisals | Commonly required, involves a fee, and slows the process. | Generally, no. | No. |
Down Payment | 20-30% | Depends on how much they have available to lend. | As low as 10%. Zero down may be possible if collateral is available. |
Borrowing Limits | High but you might eventually get capped. | Potentially limited. You may have to ask more than one person. | High. |
Construction Funding / Draws | Not always available. Draws are often slow and require significant paperwork. | Depends. Not always reliable. | Flexible. Often 90% of rehab budget. Draws are generally funded in 24 hours. |
Flexibility / Creativity | Generally rigid. | Not common. | Will consider non-traditional structures and can accommodate last minute modifications. |
Rates | Usually the lowest cost option. | Depends. | Higher in exchange for quick service and flexibility. |
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