TIC financing

Finance your
TIC share.
Your terms.

Connect directly with specialist lenders offering tailored financing against your individual TIC ownership interest. No joint liability. No bank constraints. Your share, your loan.

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Individual loans — no joint liability
Each TIC co-owner secures their own loan against their individual share only. Another co-owner's default cannot affect your mortgage.
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From 15% down payment
Modern TIC loan programs allow as little as 15% down with loan amounts up to $2 million for qualified buyers.
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Refinance independently
With a fractional TIC loan you can refinance your individual share at any time without requiring agreement from other co-owners.
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1031 exchange eligible
TIC shares are IRS-approved replacement property for Section 1031 tax-deferred exchanges — opening additional financing options.
15–25%Min. down payment
Up to $2MMax loan amount
3–10 yrFlexible terms
+0.5–1%Above condo rates
Interest-onlyOption available
How TIC financing works
Individual financing
Each TIC co-owner arranges their own separate loan secured only against their individual ownership percentage. A default affects only that owner's share — all other co-owners are fully protected.
First mortgage security
Lenders take a registered first mortgage over the TIC share only — a formal legal charge over the fractional interest, not over the whole property. Other co-owners' interests are unaffected.
Lender matching
tic.exchange matches your loan request with registered specialist lenders based on loan amount, LVR, state, property type, and loan purpose. Matched lenders contact you directly.
tic.exchange exit route
In the unlikely event of default, the lender's recourse is limited solely to that TIC share, which can be resold via tic.exchange. All other co-owners continue unaffected.
Your details
Property & TIC share
Loan request
Indicative LVR: —
Loan amount: —
TIC share value: —
Security

I agree to provide a registered first mortgage over my TIC share only as security for any loan arranged through this platform. I confirm I am borrowing for investment or business purposes.

tic.exchange is an introductory marketplace only and does not provide financial, legal, or credit advice. Independent legal and financial advice is strongly recommended before entering any lending arrangement.

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Loan request submitted!

Your request has been received. We'll match you with registered TIC-specialist lenders active in your market. Matched lenders will contact you directly within 1–2 business days.

Please seek independent legal and financial advice before proceeding with any loan arrangement.

Your details
Lending preferences
Security requirements

I require a registered first mortgage over the TIC share only as security for all loans I provide. I confirm I am a sophisticated or accredited investor where applicable under applicable federal and state law.

By registering, you confirm you meet all applicable licensing requirements for private lending in your jurisdiction. tic.exchange is an introductory marketplace only and does not provide financial advice.

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Lending interest registered!

Thank you. We'll match you with eligible borrowers based on your lending criteria. You'll be contacted when a matching loan request is received.

Please confirm you meet all applicable licensing requirements for private lending in your jurisdiction.

Frequently asked questions

Everything you need to know about TIC financing

What is a TIC loan?+
A TIC loan is a mortgage secured against a Tenancy in Common share in a property. Under US property law, a TIC share can be independently mortgaged, sold, or bequeathed without requiring agreement from other co-owners. Each co-owner arranges their own separate loan — there is no joint liability between co-owners.
Who can apply for a TIC loan?+
Individuals, LLCs, self-directed IRAs, or trusts who are purchasing or already hold a TIC share in a property. Most TIC lenders require borrowers to be borrowing for investment or business purposes rather than as a primary residence loan — though some owner-occupied TIC loan programs are available.
What security is required by lenders?+
Most private TIC lenders require a registered first mortgage over the TIC share — a formal legal charge over the fractional interest only, not over the whole property. This means only your share is security, and other co-owners' interests are completely unaffected by your loan.
What happens if a borrower defaults?+
The lender's recourse is limited solely to that co-owner's TIC share. The lender can foreclose on that individual share and resell it — via tic.exchange if listed — without affecting any other co-owner. All other co-owners' shares and financing remain completely unaffected.
Does the property need to be listed on tic.exchange?+
No. You can request TIC financing for any property where you hold a TIC share, whether listed on tic.exchange or not. However, lenders often prefer tic.exchange-listed properties because they provide independently verified property details and cash flow data, which simplifies due diligence.
Is tic.exchange a licensed lender?+
No. tic.exchange operates as an introductory marketplace only — connecting borrowers with registered specialist lenders. We do not pool funds, hold money, assess creditworthiness, or provide financial advice. All lending is arranged directly between borrower and lender. Always seek independent legal and financial advice before entering any loan arrangement.
Can a TIC loan be used for a 1031 exchange?+
Yes. TIC structures are IRS-approved vehicles for Section 1031 tax-deferred exchanges under Revenue Procedure 2002-22. Lenders who finance 1031 exchange replacement properties will recognise a qualifying TIC interest as eligible security. Always consult your tax advisor and lender regarding your specific situation.

Are you a bank, credit union, or private lending fund interested in joining the tic.exchange lending panel?

Contact us at hello@tic.exchange
Important disclaimers: Borrowers confirm that funds are for investment or business purposes only. Lenders confirm they are accredited or sophisticated investors where applicable under applicable federal and state law. TICX Pty Ltd (ACN 611 857 875) operates tic.exchange as an introductory marketplace only and does not provide financial, legal, or credit advice. tic.exchange is not a licensed lender, mortgage broker, or loan originator. Independent legal and financial advice is strongly recommended before entering any lending arrangement. All lending arrangements are subject to applicable state and federal law.