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About: Merchants Mortgage and Merchants Funding is a private lender that specializes in short-term loans to real estate investors. We lend in Colorado, Arizona, Oregon, Washington, Kansas, Missouri, Texas, and California. The company has closed over $3 Billion in fix-and-flip, fix-to-hold, and construction transactions for its clients. The company offers quick closings, underwriting that makes sense, the ability to have the properties titled in entity names, such as LLCs, outstanding customer service, and rates and fees that are cheaper than hard money.