About SEP4
A Private Lender, Developer, and Partnership
SEP4 Development Funding was founded by real estate professionals who spent years on the borrower side of the table — and grew frustrated with lenders who didn't understand how development actually works.
$2.4B+
Capital Deployed
1,200+
Projects Funded
48
States Served
15+
Years of Experience
Our Story
SEP4 was founded with a single conviction: developers deserve a capital partner who speaks their language. As a private lender, active developer, and partnership, we bring a unique perspective to every deal — our founders spent over a decade building ground-up residential communities, repositioning commercial assets, and navigating the full cycle of real estate development before ever making a loan.
That experience shapes everything we do. We underwrite deals the way a developer thinks about them — focused on the project's fundamentals, the sponsor's track record, and the path to a successful exit. We don't hide behind committees or slow-moving bureaucracy. We make decisions in-house, communicate directly, and close when we say we will.
Since our founding, SEP4 has deployed over $2.4 billion in development financing across 1,200+ projects in 48 states. We've financed everything from 10-unit infill townhome communities to 500-unit multifamily towers, suburban office parks to urban mixed-use developments. Our portfolio spans every major asset class and market cycle.
Speed
Term sheets in 24–48 hours. We move at the pace of development.
In-House Decisions
No committees. No delays. Our principals make every credit decision.
Developer-First Underwriting
We evaluate deals the way developers do — project fundamentals first.
How We Operate
Six principles that guide every loan we make.
Speed
Term sheets in 24–48 hours. We move at the pace of development.
In-House Decisions
No committees. No delays. Our principals make every credit decision.
Developer-First Underwriting
We evaluate deals the way developers do — project fundamentals first.
Transparent Terms
No hidden fees. No surprises at closing.
Long-Term Relationships
We invest in sponsors, not just projects.
Nationwide Reach
Active in 48 states across every major market.
Leadership Team
Principals with deep experience on both sides of the capital stack.
Michael Hargrove
Managing Principal
20+ years in real estate development and private lending across residential and commercial asset classes.
Sarah Chen
Chief Credit Officer
Former institutional lender with deep expertise in construction underwriting and risk management.
James Okafor
Head of Originations
Leads the national originations team with a focus on ground-up construction and bridge financing.
Rachel Torres
Director of Operations
Oversees loan processing, closing coordination, and borrower experience from application to funding.
Ready to Work Together?
Submit your project for a term sheet or explore our full range of financing programs.