About Us

About Us

Orchard Funding is a private lender providing fix & flip, bridge financing and ground up construction loans for the professional real estate investor. Loans are underwritten and funded in-house thus enabling swift decisions, flexible lending solutions and quick closings. Orchard Funding originates approximately $60,000,000 in loans annually and has funded over 500 loans to date.

Our Story

In 2009 during the financial crisis, Ryan Denk and Chris Aepli began buying foreclosures and bank-owned homes in the greater Phoenix area. After their first dozen acquisitions, they saw an opportunity to scale the operation. By 2014, they had acquired over 700 single family homes, 200 properties were rehabbed and flipped, 500 were kept as rental properties and later resold. Through this process Ryan and Chris formed a positive relationship with Justin Land, Gary Levine and the rest of the executive team at Merchants Mortgage & Trust.

In 2013, Chris, Ryan and Justin launched Orchard Funding to specialize in quick close fix & flip loans in partnership with Merchants Mortgage & Trust. Through this partnership, Orchard Funding is able to provide superior customer service in loan underwriting, closing and servicing.

The Team

Chris Aepli (NMLS #1197619)

Chris Aepli is a Loan Originator and a Co-Founder. Chris has extensive experience in residential real estate as a licensed real estate broker and has successfully fixed and flipped over 200 properties in partnership with Ryan Denk, Justin Land and Lindsay Esparza. Chris is a graduate of Arizona State University.

Ryan Denk

Ryan Denk is a Co-Founder of Orchard Funding. Ryan has a background in commercial real estate and fix and flip properties. Ryan obtained a Bachelor of Science Degree in Finance from the W.P. Carey School of Business at Arizona State University.

Justin Land

In addition to being a Co-Founder, Justin Land serves as the CEO of Merchants Mortgage. Justin holds a Bachelor of Science Degree in Finance from the Wharton School at the University of Pennsylvania.

Lindsay Esparza

Lindsay Esparza is an Arizona Loan Originator. Prior to entering the real estate and lending industry, Lindsay founded Cupcakes, a gourmet pastry business in Scottsdale. Lindsay has a Bachelor of Science Degree from Arizona State University.

Travis Mullen

Travis Mullen is a Loan Originator in California. Travis is experienced in sales, marketing and management from a variety of business and organizational backgrounds. Travis studied managerial finance at Grand Canyon University during his MBA program and holds a Bachelor of Science Degree from Arizona Christian University.