I have a bank locally that will use DOT as collateral for loans.

Once you hit a certain number of loans (check with your state dept of banking and finance or dept of business regulation), they might require you to have a license.

Best bet though is a local community business bank.. 

But, you can go up to 65% loan to value with no reserves, or up to 80% loan to value if you have 12 months payments already in the bank (12 months reserves_.

Typically seasoning means that the funds have been in a bank account for a set amount of time (usually 60 days), so ANY lender should love that....I thought maybe you meant un-seasoned funds?

. - The advantages of working with private lenders: - Faster access to funds compared to banks. - Flexible terms tailored to the specific deal. - Ability to leverage their network and experience in real estate. - Private lenders are not just sources of capital but can also be strategic partners who bring value to the table. 3.

However those with no to very limited experience will never get a fix and flip loan  from a bank. 4.

It links to our business bank account and our business credit card so come tax time, deductions should be easier.

We sold 3 locations that had little debt on them with great cashflow, stayed heavy in cash, our stock return was only around 11% versus 25% since we went conservative, have two projects banks have already greenlighted with no downpayment on our part using cross collateralization with other properties- built in $2.5mm equity creation in 3 years in those projects, on hold for now.  .   

Everything else is manual (email, writing checks from the bank, ect).Also open to any suggestions if you are using something that you think would fit these needs.Thank you in advance!