Brick & Mortar Funding was founded to provide a hassle-free alternative to the traditional bank loan process and the high interest rates of credit card financing. We understand that opportunities don’t always fit into a bank’s box, which is why we take a common sense, asset-based approach to lending.
Whether you’re investing in real estate, expanding a business, consolidating debt, or funding a new opportunity, our loans are designed to give you quick access to the capital you need. Every loan is secured by real estate, ensuring a practical, straightforward structure that protects both borrower and lender.
Based in the Upstate of South Carolina, Brick & Mortar Funding proudly serves borrowers throughout Greenville, Spartanburg, Pickens and Anderson, offering flexible loan solutions backed by local knowledge and experience.
Whether you’re investing in real estate, expanding a business, consolidating debt, or funding a new opportunity, our loans are designed to give you quick access to the capital you need. Every loan is secured by real estate, ensuring a practical, straightforward structure that protects both borrower and lender.
Based in the Upstate of South Carolina, Brick & Mortar Funding proudly serves borrowers throughout Greenville, Spartanburg, Pickens and Anderson, offering flexible loan solutions backed by local knowledge and experience.
Loan Details Made Clear
- LTV up to 65% available
- 3-, 6-, 9-, and 12-month terms available
- No income verification – asset-based lending only
- Fast approvals and closings, often within 7–10 business days
- Interest-only payments available during loan term
- Loans secured by residential or commercial real estate
- Flexible use of funds – for investments, business growth, or personal needs
- No prepayment penalties on early payoff
- Local decision-making and personalized service
Our Leadership Team
We are led by a group of real estate and finance experts with over 120 combined years of real estate, construction and investment experience.
Nick Franchina
Founder/Partner
A Greenville native, Nick Franchina brings more than two decades of experience in real estate, development, and finance to Brick and Mortar Funding. After launching Access Realty in 1999 and growing it into one of the Upstate’s leading brokerages—with more than 30 residential and commercial agents and a 500+ property management portfolio—Nick expanded his focus into lending and capital markets. In 2009, he helped launch Regent Bank, where he served on the Board of Directors and Loan Committee, gaining deep insight into credit evaluation and lending structure. Today, Nick applies that expertise to provide common-sense, asset-backed lending solutions through Brick and Mortar Funding. Having developed more than 50 residential communities totaling over 4,000 homes across the Upstate, Nick understands every side of the deal from the ground up.
Zach Roberts
Partner
A Greenville native and Furman University graduate, Zach Roberts began his real estate career at just 18 years old after earning his real estate license. While attending Furman, he gained hands-on experience brokering residential and commercial transactions, laying the groundwork for a deep understanding of real estate from a buyer, seller, and developer perspective.
Alongside Nick, Zach has helped develop numerous residential communities throughout the Upstate, contributing to the region’s rapid growth. At Brick and Mortar Funding, Zach oversees the underwriting and management of loans, structuring terms, coordinating funding, and maintaining strong relationships with borrowers. His background in real estate development and market analysis allows him to craft practical, asset-backed lending solutions tailored to each borrower’s needs.