About Us

What We Do

Orchard Funding is a private ‘hard money’ lender providing fix & flip, bridge financing and ground up construction loans for professional real estate investors. Loans are underwritten and funded in-house thus enabling swift decisions, flexible lending solutions and quick closings. Orchard Funding originates approximately $200,000,000 in loans annually and has funded over 1000+ 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

Orchard Funding

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 in Arizona and California. Chris is a graduate of Arizona State University.

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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.

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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.

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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.

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BO Seamands

BO Seamands is a loan originator in California and Arizona. BO is a licensed real estate agent and also a Vice President/Loan Officer of our partner company Merchants Mortgage and Trust. BO has a finance degree from the Culverhouse College of Commerce at the University of Alabama.

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Ari Zandman-Zeman

Ari Zandman-Zeman is a Loan Originator who hails from a diverse background in entrepreneurship and international development. Ari has an MBA from the UCLA Anderson School of Management and is the proud father of two daughters.

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Jonathan Spinner

Jonathan Spinner is a Loan Originator in California. Jonathan grew up in Silicon Valley and has a business degree from the University of San Diego. He is an avid hiker and outdoorsman.

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Aaron Pfeffer

Aaron Pfeffer is a loan originator in California. He has over a decade of experience in private lending and is a licensed Broker with the California DRE. Aaron received a Bachelor of Science degree from the Kelley School of Business at Indiana University.