Land · Construction · Bridge · Investment
Funding for builders, developers and investors — from a single fix & flip to a 900-unit community
Aspen Creek Funding is a Utah-based commercial loan brokerage. We shop your project to the lenders best suited to fund it, and stay with you all the way — through closing, through construction, and on to your next project.
Ground-up construction
Land & development
Fix & flip and rentals
Bridge & multifamily
Loan Programs
Financing for every stage of a project
New Construction
Ground-up loans for spec homes, custom builds, townhomes and small subdivisions.
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Land Acquisition
Buy raw or entitled land with a lender that understands the path to development.
Learn moreHorizontal Development
Finance roads, utilities and lot improvements to turn land into finished lots.
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Bridge Loans
Fast, short-term capital to close, reposition, or wait for the permanent loan.
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Fix & Flip
Purchase plus rehab funding for investors buying, renovating and reselling.
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Long-Term Rental (DSCR)
30-year financing for holding rentals, qualified on property cash flow, not tax returns.
Learn moreLand Hold & Refinance
Longer-term financing to hold land or refinance a maturing land loan.
Learn moreMultifamily & Apartments
Construction, bridge and permanent debt for 5 to 900+ unit communities.
Learn moreHow it works
From first call to closing
01
Submit your project
Tell us the story: the deal, the numbers, the timeline.
02
We shop the right lenders
We match your project against a curated network of banks, credit unions, debt funds and private capital.
03
Compare term sheets
We break down every offer side by side so you can choose with confidence.
04
Close and track in your portal
Once you're under term sheet, track draws, documents and closing in your client portal.
Your Partners
Two brokers, one goal: getting your deal funded
Steve Johnston
Commercial Loan Broker
Steve brokers construction, development, land and bridge financing for builders and investors across Utah and beyond. He is also a licensed real estate agent, helping builders sell the units they build.
Natalie Boyack
Commercial Loan Broker
Natalie structures capital for developers, investors and builders, from land acquisition through stabilized long-term debt, and serves residential borrowers through Quick and Easy Mortgage, powered by Summit Lending.
Learning Center
Understand your financing before you sign anything
all
How to Read a Term Sheet
A line-by-line guide to the numbers and conditions in a commercial loan term sheet.
all
LTC vs LTV, Explained
The two leverage ratios every construction and investment borrower needs to understand.
builders
How Construction Draws Work
From draw requests to inspections to funding — the mechanics of getting paid during a build.
Beyond Commercial Lending
Buying a home, or selling what you built?
Residential Home Loans
Buying or refinancing a home? Natalie serves residential borrowers through Quick and Easy Mortgage, powered by Summit Lending.
quickandeasymortgage.comBuying or Selling a Home
Steve Johnston is also a licensed real estate agent and helps builders sell finished units through Utah House Hunter.
utahhousehunter.comReady to fund your next project?
Tell us about your project and we'll come back with lender feedback after we review your submission.