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CLICK HERE TO GET STARTEDCap One Lending is a direct private lender for hard money loans. This is important when choosing a lender because you skip the middleman or broker which saves you time and money. Our portfolio products have the lowest rates and fees and are ready to close in about 5 days.
A Hard Money Loan is a short-term bridge loan that is titled in your business name and is secured by a hard asset such as real estate. There are several types of hard money loans that we offer including Bridge Loans, Transactional Funding, Fix and Flip and Fix and Rent Loans.
Real Estate Investors use hard money loans to purchase, refinance and cash out investment real estate.
Businesses use hard money for short term bridge loans. Business owners frequently need additional cash for expansion and leverage.
Builders and Developers use hard money to build homes and develop land.
If you can find a bank to do Hard Money Lending, it will generally take months to close. In general, banks do not like short term lending because there isn't enough profit to be made. At Cap One Lending, we eliminate most of the red tape with limited documentation and flexible guidelines which allows us to close your loan in record time. We believe in an easy and efficient process allowing more time for you to focus on what you do best and that is your business.
Please check out our loan products, criteria, documentation, and the steps to fund your hard money loan below. Please contact our dedicated team to discuss your goals and answer any questions you may have before starting the process.
The Standard Bridge Loan is a short-term loan secured by real estate, offered to business owners and real estate investors who need capital for cash flow or to purchase a property until permanent financing can be obtained. We will loan up to 90% of the purchase price or 80% of the as-is value. Whichever is less.
This is for real estate investors who purchase real estate at a wholesale price with the intent to sell to an end buyer within a short period of time (as little as one day). The end buyer could be another investor, hedge fund, consumer, etc. Example: An investor gets a property under contract September 1 with a close date of September 30. The investor will start marketing that property for sale as soon as its under contract and will attempt to find an end buyer who will close as soon as October 1. We will loan up to 90% of the purchase price or 80% of the as-is value. Whichever is less.
This is for real estate investors who want to purchase a property they intend to improve and sell for a profit. This loan program can include rehab funds held by the borrower or lender. We will loan up to 90% of the purchase price and 100% of the rehab funds or up to 100% of the purchase price if the borrower funds their own rehab. 70% max after repair value.
This is for real estate investors who want to purchase a property they intend to improve and refinance into a rental loan. This loan program can include rehab funds held by the borrower or lender. We will loan up to 90% of the purchase price and 100% of the rehab funds or up to 100% of the purchase price if the borrower funds their own rehab. 70% max after repair value.
Borrower: Shall be a business entity.
Collateral: Non-owner-occupied Single family, Duplex, Fourplex, and Townhomes.
Areas we Lend: All 50 States excluding MN, ND, NV, OR, and SD.
Term: Up to 2 years.
Loan Amount: 100k to 2 million.
Credit Score: Minimum 660 credit score.
Origination: Starting at 2% with a minimum fee of $3,000.
Processing: $795.
Wire: $30.
Inspection Fee (If applicable): $199 for initial inspection and consecutive draw requests.
Extension Fee (If applicable): 1% or $1,000, whichever is greater.
Please complete the document list in step 1 to become preapproved for a hard money loan through Cap One Lending.
After step 1, please provide us with the following documents in order to receive a term sheet.
It's time to complete step 3 so we can fund your loan.
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