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Capital Funding Financial

Boca Raton, FL·Founded 2016·Nationwide
Visit website ↗(561) 821-7186
Capital Funding Financial is a leading nationwide private lender specializing in fast, reliable fix-and-flip bridge loans, short-term bridge financing, ground-up construction loans, and DSCR rental financing for real estate investors.
Capital Funding Financial describing itself

Loan programs

Bridge

$250K – $100M
Term
—
Rate
—
Maximum leverage
Max LTV 80%Max LTP 75%

Fix & Flip

$250K – $10M
Term
—
Rate
3% – 9.25%
Amortization
Interest-Only
Maximum leverage
Max LTV 80%Max LTC 90%Max ARV 75%Max LTP 80%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · 2–4 Unit Residential · Multifamily (5+) · Mixed-Use

Ground-Up Construction

$500K – $50M
Term
30 yr
Rate
5.99% – 9.5%
Amortization
30-Year Fixed
Maximum leverage
Max LTV 80%Max LTC 90%Max LTCV 70%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · Multifamily (5+) · Office

DSCR / Long-Term Rental

$100K – $10M
Term
30 yr
Rate
5.99% – 8.99%
Amortization
30-Year Fixed, Interest-Only
Maximum leverage
Max LTV 80%Max LTV (cash-out) 70%Max LTP 80%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · 2–4 Unit Residential · Short-Term Rental (STR)

Commercial

—
Term
—
Rate
—

Fix to Rent (BRRRR)

—
Term
—
Rate
—
Maximum leverage
Max LTC 100%Max ARV 70%Max LTP 80%

Land & Lot

—
Term
—
Rate
—

Multifamily

—
Term
—
Rate
—

Rental Portfolio / Blanket

—
Term
—
Rate
—

Terms & qualification

Typical loan size
$250K – $100M
Typical term
6 mo – 24 mo
Interest rate
6.5% – 12.49%
Origination / points
1.50% to 3.00%
Minimum FICO
620
Lien position
1st, 2nd
Prepayment penalty
no
Payment structure
Interest Only
Recourse
Sometimes
Closing speed
7 days typical · 3 days fastest
Prepayment structure
None
Cross-collateral
Yes
Equity / JV capital
No
Income documentation
No Tax Returns or W-2s Required. Loan application only for most programs. No income documentation needed on bridge and fix-and-flip loans. Asset-based underwriting focused on the deal.
Borrower entity
LLC, LP, Trust, Corporation, and Self-Directed IRA accepted. Personal guaranty required on most programs (sometimes waived at sub-50% LTV with strong exit/sponsor profile). Does not lend to individuals.
Experience required
No experience required for Fix-and-Flip and Bridge programs (0 prior deals accepted). Ground-up construction requires minimum 3 prior completed builds . First-time investors welcome on all other programs.

Property types

Single-Family (SFR)Condo / Townhome / PUD2–4 Unit ResidentialMultifamily (5+)Mixed-UseOfficeIndustrial / WarehouseHotel / HospitalityLand & LotsMobile / ManufacturedShort-Term Rental (STR)Senior Care / Assisted LivingSpecial PurposeRetail

Lending footprint

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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.