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How Three Eagles Came to Be...
Three Eagles Lending started with a spreadsheet—and someone else’s lending business. A few years ago, our founder, Ed Williford was a passive investor working with another lender.
He was watching from the sidelines as he noticed some inefficiencies.
With over twenty years in business consulting, Ed couldn’t just sit on his hands. He stepped in to help clean up the numbers, building worksheets and systems to bullet-proof that business.
That experience lit a fire and he built his own, well-oiled machine for lending.
In 2022, Ed launched Three Eagles Lending to bring a smarter, more ethical approach to real estate financing.
“I didn’t just want to write checks—I wanted to build real relationships, provide better service, and create a place where investors could grow with confidence.”
Today, Three Eagles is a family-run business with Ed at the helm and his son, Jamie, recently joining the team after graduating from college.
Together, they’re building more than a lending company—they’re building a reputation for integrity, reliability, and real-world guidance.
From funding deals most lenders pass on to coaching newer investors through their first flips, Three Eagles is committed to helping people grow into savvy, successful real estate professionals. Because at the end of the day, this business is about more than money—it’s about trust.
How We Work
Three Eagles Lending was built to raise the bar. We know borrowers are often left in the dark—waiting on draws, buried in red tape, or stuck with lenders who didn’t care if the numbers worked for them. That wasn’t good enough.
We treat lending as a true partnership. Our borrowers get fast communication, clear expectations, and draws delivered within 48 hours—every time. We fund deals other lenders won’t touch, including loans under $100K. And we don’t rely on credit scores to make our decisions. We look at the deal, the plan, and the people behind it.
If you're newer to real estate investing, we also offer coaching to help you run house flips properly and avoid costly mistakes. In fact, we require new investors to have a paid mentor or verified joint venture partner—we want you to succeed long term, not just get through your first deal.
We believe in doing things the right way, even when it's harder. That means transparency in our terms, fairness in our underwriting, and genuine care for the people we work with. At Three Eagles, we don’t just lend money—we build strong investors.
Book A Call
If you’d like to discuss a deal or investing in our real estate projects, please click below to book a thirty minute introduction call.
Get Funded
Whether you're taking on a fix-and-flip, new construction, or your first mid-sized project, we’re here to help you move fast—and move smart. At Three Eagles, we keep things simple, fair, and personal.
We don’t pull credit. We look at the deal, your plan, and the people behind it. Our loans go up to 70% ARV, with rates starting at 12% and 2 points, and we’ll finance the origination. Loan durations typically run 6–12 months, and draws are often issued within 48 hours.
We’re one of the few private lenders willing to fund deals under $100K, and we’ll work with newer investors as long as you have the right support system in place. If you’re just getting started, we’ll make sure you’re backed by a mentor or JV partner who’s qualified to guide the deal. If you’re more experienced, we’ll respect your time and your expertise.
If you’re ready for a lender who wants your deal to succeed as much as you do, fill out our short form and we’ll be in touch soon.
Passive Investing
At Three Eagles, we work with individuals who want to put their capital to work in real estate-backed opportunities—without managing deals themselves. While we don’t use Wall Street money, we do collaborate with select people who align with our values and want to be part of something grounded in integrity.
Every lending opportunity we engage in is backed by a first-lien position and conservatively underwritten for long-term success.
In some cases, our borrowers have even chosen to co-lend alongside us after seeing how we operate firsthand.
If you’re curious about how we structure deals, protect capital, or help our partners grow their wealth through real estate, we’d be happy to start a conversation. Just reach out—we’re here to share, not to sell.
Coaching for Real Estate Investors
(or House Flippers)
We don’t just lend money—we help you become the kind of investor who knows what to do with it. That’s why we offer coaching for real estate investors who want to build lasting businesses, avoid preventable mistakes, and approach every deal with confidence. Whether you're brand new or refining your approach, we’ll meet you where you are and give you the tools to level up—with no fluff and no shortcuts. If you’re serious about learning, we’re serious about helping.
Testimonials
"Three Eagles Lending is the best lender for real estate investors, hands down. I have worked on numerous transactions for several years with Three Eagles Lending and the team is always responsive to requests and takes a partnership approach when issues inevitably arise. They consistently do what they say they are going to do which is critical for real estate investors. One time, I was traveling out of the country and just a few days before a closing a national lender backed out of a deal, putting me in a bind with few options since I was on an international trip. I immediately called Three Eagles Lending, and they were able to fund the deal in a matter of days with no delays.
I believe so much in the value proposition of Three Eagles Lending that I also invest personally, and so I experience the professionalism not only from a borrower perspective but also as an investor. Whether you are a real estate investor or want to invest and earn great returns with quality collateral, Three Eagles Lending is there for you."
Don Byrd
"Working with Three Eagles Lending has been an exceptional experience. They're incredibly easy to communicate with, offer some of the most competitive loan rates in the market, and—most importantly—they understand that not every deal goes perfectly. When challenges arise, they are willing to work with you, as long as you’re upfront and engaged. I trust them so much that I’ve also invested my own capital with them, and the returns have exceeded expectations. Whether you’re borrowing or investing, I highly recommend them. You won’t be disappointed."
Erik Timmermans
"What an awesome and unique opportunity Three Eagles Lending offers both sides – for the remodeler, flipper, and the investor. My background is landlord, flipper, and investor. I have invested in TEL for over 3 years and couldn’t be happier. Not only have they delivered the returns they promise at the end of the project, but they also faithfully give me detailed information each month on what stage my investment is at. This gives me tremendous peace of mind to know someone is watching and overseeing my investment. TEL seems to have found the best projects, run by contractors who know exactly how long and how much their project will cost. The paperwork TEL provides me with each new project is solid and provides more security than other investment avenues I have tried. I have referred friends to TEL, and they are equally as happy as I am. I plan to be with TEL for many years to come."
S. Foster
Testimonials
Three Eagles Lending is the best lender for real estate investors, hands down. I have worked on numerous transactions for several years with Three Eagles Lending and the team is always responsive to requests and takes a partnership approach when issues inevitably arise. They consistently do what they say they are going to do which is critical for real estate investors. One time, I was traveling out of the country and just a few days before a closing a national lender backed out of a deal, putting me in a bind with few options since I was on an international trip. I immediately called Three Eagles Lending, and they were able to fund the deal in a matter of days with no delays.
I believe so much in the value proposition of Three Eagles Lending that I also invest personally, and so I experience the professionalism not only from a borrower perspective but also as in investor. Whether you are a real estate investor or want to invest and earn great returns with quality collateral, Three Eagles Lending is there for you.
Don Byrd
The first time I met Kim I knew she was a firecracker. She was super fit, outgoing, and full of life. As I grew to know her better over the years she has proven that she can conquer any project house to bring it back to better than its original glory. She is a powerful businesswoman who leads by example creating connections all across the world championing other female investors as she grows. I can’t wait to see what the next 5, or 10 years look like for her because the last 10 have been nothing short of incredible.
Erik Timmermans
What an awesome and unique opportunity Three Eagles Lending offers both sides – for the remodeler flipper and the investor. My background is landlord, flipper and investor. I have invested in TEL for over 3 years and couldn’t be happier. Not only have they delivered the returns they promise at the end of the project, but they also faithfully give me detailed information each month on what stage my investment is at. This gives me tremendous peace of mind to know someone is watching and overseeing my investment. TEL seems to have found the best projects, run by the contractors who know exactly how long and how much their project will cost. The paperwork TEL provides me with each new project is solid and provides more security than other investment avenues I have tried. I have referred friends to TEL, and they are equally as happy as I am. I plan to be with TEL for many years to come.
S. Foster
Book A Call
If you’d like to discuss a deal or investing in our real estate projects, please click below to book a thirty minute introduction call.
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