Alto Capital

North Miami Beach, FL·Founded 2019·1 state

Alto Capital, formerly Equity Lending Solutions, is a direct private/hard money lending company for various types of investment properties throughout Florida: Single Family Homes, Condo, Condo-Hotel, Multifamily. At ELS we focus on tailoring the loans to each specific borrower type, we believe in transparency and with no surprises at the closing table! We provide Outstanding Customer Service for real estate investors.

Alto Capital describing itself

Loan programs

Offers— no published terms

Multifamily

Terms & qualification

Typical loan size: $90K – $5M
Typical term: 12 mo – 16 mo
Interest rate: 9.99% – 11%
Origination / points: 1.5% to 3%
Minimum FICO: 680
Lien position: 1st
Prepayment penalty: no
Payment structure: Interest Only
Recourse: Always
Closing speed: 10 days typical · 3 days fastest
Prepayment structure: None
Cross-collateral: Yes
Equity / JV capital: No
Income documentation: Credit Report, Bank Statements, Loan Application
Borrower entity: LLC, Limited Partnership, Corporation

Property types

Single-Family (SFR)Condo / Townhome / PUD Multifamily (5+)Hotel / Hospitality

Lending footprint

Sources

This record was compiled from the public pages below. Figures reflect what each source published when it was retrieved and are not a quote — confirm current terms with the lender.

Private Lender Linkretrieved 2026-09-15
Lender websiteretrieved 2026-09-15
Drive Active Compact FULL 2026-09-15retrieved 2026-09-15