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Capital Funding Financial describing itself
Capital Funding Financial
Boca Raton, FL·Founded 2016·Nationwide
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.
Loan programs
Ground-Up Construction
$500K – $50MTerm
30 yr
Rate
5.99% – 9.5%
Amortization
30-Year Fixed
Maximum leverage
Max LTV 80%Max LTC 90%Max ARV 70%Max LTCV 70%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · Multifamily (5+) · Office
DSCR / Long-Term Rental
$100K – $10MTerm
30 yr
Rate
5.99% – 8.99%
Amortization
30-Year Fixed, Interest-Only
Maximum leverage
Max LTV 80%Max LTV (cash-out) 70%Max LTC 90%Max ARV 70%Max LTP 80%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · 2–4 Unit Residential · Short-Term Rental (STR)
Fix & Flip
$250K – $10MRate
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
Bridge
$250K – $100MMaximum leverage
Max LTV 80%Max LTC 90%Max ARV 70%Max LTP 75%
Maximum leverage
Max LTC 100%Max ARV 70%Max LTP 80%
Also offers— no published terms
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.