About Us
A Better Way to Fund Real Estate
In 2016, Bill Kennedy founded NatFunding with a simple mission: help small business owners access affordable financing. Along the way, he met someone named Jason who was paying 14% interest and 4 points to hard-money lenders. Bill saw there had to be a smarter way. Always reading, networking, and chasing better solutions, he helped Jason secure a $ 1.75 million line of credit at just 7.45% and 2 points — a massive improvement over typical hard-money rates.
Not a Lender — a Funding Consultant
Bill isn’t a lender. He’s a funding consultant, meaning he works for you, not the lender. His only goal is to find the structure where the client wins. For years his work spread quietly by referral, but now he’s opening his doors more broadly — to help more investors and to finance the ministry projects closest to his heart.
When Experience Meets Opportunity
A luxury home builder in Texas needed a 2.7 million loan construction loan on a project valued at $ 4.7 million finished value. The builder, after weeks of getting nowhere with a major lender’s broker, contacted Bill who was able to get a loan approved for a February 25, 2020 closing. They closed the next day — just before the COVID shutdown froze new loans. Thirty months later, the property sold for $5.8 million.
Smart Money Finds a Better Way
Another client—a General Partnership company — was paying limited partners 18% to fund new home construction companies, nationwide. Bill located a lender willing to offer secured lines of credit at 6.99%, totaling $7 million per company. No more SEC filings. No more brokers. Just intelligent, direct funding.
Their partners later wrote:
“Thanks to Bill who cared enough to look into alternatives for us.”
Seeing What’s Coming
With a background in economics, Bill recognized early in 2021 that inflation wasn’t “transitory.” He warned that the Fed would raise rates and that small real-estate investors would bear the cost. He was right.
Now, as rates begin to ease, values are slipping — and that changes everything
Why “No Seasoning” Matters
From purchase to rehab, the key is to lock in your After-Repair Value (ARV) as soon as possible. No Seasoning DSCR loans are the difference between success and failure. Being stuck in 12% hard money for six months while values fall can destroy your refinance—and force you to bring cash to close.
The Strategy That Still Works
“If nothing’s selling, do what pays you to wait — rentals.” That’s Bill’s advice in today’s market. Many of his clients use their cash for light, cosmetic rehabs and start the DSCR process within a week.
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It’s a disciplined, proven approach that helps real estate investors keep moving — no matter what the market does.
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