What’s in a Billion? A Story of Growth, Alignment and Mission
By Tuan Pham
Archwest Capital began 2025 by crossing a major milestone: over $1 billion in real estate investment loans funded since inception. For a company founded with a clear mission—to deliver the most efficient capital to experienced real estate investors—this achievement marks more than just a number. It demonstrates the alignment of our mission with the market. It strengthens our bold goal to surpass $2 billion in lifetime funding by year end.
While many private lenders are retrenching, Archwest is expanding with purpose—staying focused on the needs of experienced real estate investors.
What the $1 Billion Milestone Represents
Archwest has partnered with thousands of real estate investors nationwide, financing everything from renovated homes and infill development to stabilized rental portfolios. These deals are driving job creation, housing revitalization, and local economic growth.
As CEO Shawn Miller put it, “Experienced investors and developers need a reliable capital partner to help them scale. We set out to be the best lender for the best borrowers, and this milestone confirms that vision.”
National Footprint with Local Depth
Operating in 44 states and having funded loans in 676 cities, Archwest is one of the few private lenders with true coast-to-coast reach. Our top five metros by loan volume — Los Angeles, San Diego, Phoenix, Miami, and Dallas — reflect broader national housing dynamics.
In Sunbelt cities like Phoenix and Dallas, population and job growth are fueling new housing starts. In coastal cities like L.A. and San Diego, demand for renovations is rising as aging housing stock and limited supply drive competition.
Addressing America’s Housing Challenges
Archwest’s lending programs also directly respond to national housing headwinds:
- A shortage of 3.8 million homes
- The average U.S. home age surpassing 40 years
- Persistent financing hurdles for new construction
Fix & Flip: Tackling Aging Inventory
With most homes over four decades old, the fix-and-flip market is critical. Archwest provides up to 93.5% loan-to-cost (LTC) at competitive pricing, empowering investors to bring distressed properties back to life. These aren’t just flips. They’re homes restored and neighborhoods uplifted.
Ground-Up Construction: Building What’s Missing
While many shy away from construction financing, Archwest has leaned in. Roughly one-third of our loans support new builds, a crucial solution to supply shortages. Our construction program offers up to 90% LTC with a process designed for simple, quick draws and easy project management.
Rental Loans: Supporting Long-Term Housing
As demand for rental homes continues to climb, Archwest’s DSCR and Rental Portfolio loans help investors expand in a scalable way. This long-term focus on workforce housing is vital as more Americans turn to renting in face of insurmountable housing costs.
Who’s Behind the Growth?
From local flippers to institutional developers, Archwest serves a wide spectrum of real estate investors:
- Ranging from 23 to 78 years old
- Average age of 42
- Average net worth of $2.5M
Our deep and flexible capital has enabled us to fund many different investment strategies and success stories for over 2,500 properties.
Speed as a Strategic Advantage
In real estate, speed can mean the difference between winning and losing a deal or the successful completion of a project. Archwest has been known for our fast execution. Every step, from underwriting to funding, is built for speed and reliability.
In our path to $1 billion, these were the fastest closing times by loan type when investors came to us ready to close:
- Fix & Flip: 1 day
- Ground Up: 2 days
- Rental Loan: 3 days
Tricia Mitchell says it best: “Matching investor urgency with operational precision is what sets us apart.”
Looking Ahead to $2 Billion
Fueled by strategic partnerships and a record loan pipeline, Archwest is on pace to double its lifetime volume by year end. Originations in 2025 thus far have already exceeded expectations.
But growth is not just about numbers. It is about staying mission-driven. And as a firm, we continue to focus on being the best lender for the best borrowers.
Teams are scaling regionally, products are evolving, and tech-enabled efficiency continues to improve.
Every Loan Is an Impact Story
Behind every transaction is a ripple effect:
- A contractor at work
- A home revived
- A neighborhood uplifted
- An investor’s future advanced
While headlines dwell on housing affordability crises, Archwest is enabling real solutions daily: greater home production and community revitalization at faster speeds.
A Billion Thanks and an Invitation to Join in the Next Billion
To every borrower, broker, team member, and partner — thank you. Your trust and grit built this momentum.
As we reach for the next billion, we invite new investors to join us.
If you’re ready to turn your next deal into impact, we’re ready to help you close it with certainty of capital, speed, and execution.
Explore our programs at ArchwestCapital.com.
See why we’re “The Best Lender for the Best Borrowers.”
