C2R Capital

Direct Lender for Commercial Real Estate in the Southern United States

C2R Capital Management is a direct private real estate lending firm specializing in asset-backed loans. We originate short-term, first-lien bridge, development, and mezzanine loans to owners and developers of most asset classes. Our direct funding platform fills the void created by traditional lending institutions, providing developers and owners with alternative financing solutions that are creative, flexible, and fast.

Property Geographic Area Details

Southern United States - AL, AR, AZ, CO, FL, GA, LA, MS, NC, NM, NV, OK, SC, TN, TX, UT

Loan Amounts

$1,000,000 to $50,000,000

Interest Rates

8% to 16%

Loan Terms

12 months to 24 months

Origination Fees

2% to 4%

Lien Position

1st, 2nd

Collateral Types

Commercial Property
Commercial Property Ground Lease

Loan Purpose

Investment Acquisition
Investment Refinance
Improve Subject Property
Use Equity to Invest in Another Property
Invest in a Business
Business Working Capital
Value Add Project
Development Project
Primary Residence Purchase
Personal Use

Property Occupancy

Vacant
Tenant Occupied 100%
Tenant Occupied Partial
Owner Occupied Commercial
Owner Occupied Residential

Maximum Leverage

Purchase Short-Term (no Value-Add):

Max LTP Residential: 55%

Max LTP Multifamily: 65%

Max LTP Commercial: 65%

Max LTP Land: 60%

Property Types

Agricultural
Auto Dealership
Auto Repair
Bed and Breakfast
Car Wash
Child Day Care
Church
Cinema
Club
Commercial Condominium
Commercial Land
Community Center
Covered Land
Equestrian
Event Center
Gas Station
Golf Course
Gym
Healthcare
Hospital
Hostel
Hotel
Industrial
Manufactured Home
Marina
Mixed-Use
Mobile Home
Mobile Home Park
Motel
Multifamily
Night Club
Office
Parking Garage
Parking Lot
Place of Worship
Portfolio of Commercial Properties
Portfolio of Residential Properties
RV Park
Ranch
Recreational
Rehabilitation Facility
Religious Facility
Residential Land
Retail
School
Senior Housing
Single Family Residence
Sports Facility
Storage Facility
Student Housing
Theater
Timberland
Vehicle Parking
Winery

Loan Types

Commercial Bridge
Commercial Property Value Add
Commercial Ground-Up Construction
Mezzanine

Specialty Loan Types

Bankruptcy Resolution
Cannabis Use Properties
Debtor in Possession
Discounted Note Payoff
Earnest Money Deposit
Foreclosure Bailout
Land Development
Line of Credit Portfolio of Properties
Line of Credit Single Property
Luxury Homes
Note Purchase
Partner Buyout
Reverse 1031 Exchange
Subdivisions
TIC Tenancy-in-Common
Transactional Funding
Vacation Rental

Junior Lien Loan Amounts

$1,000,000 to $15,000,000

Junior Lien Interest Rates

12% to 18%

Junior Lien Loan-to-Cost

75%

Junior Lien Origination Fees

2% to 3%

We Fund Junior Position Loans

Often

Junior Lien Types

Purchase
Refinance
Mezzanine

C2R will consider mezzanine loans when presented with the right opportunity. Typically, these opportunistic mezzanine loans require specific cure, purchase, and foreclosure rights. For example, we usually need a control mechanism that allows us to acquire the senior lender’s 1st lien position. We require a minimum interest guaranty of 6 months, and it could be up to 12 months.

Will Consider Cannabis Use Properties

yes

Maximum LTV for Cannabis Use Properties

Land Types Considered

Residential Land
Multifamily Land
Industrial Land
Office Land
Retail Land
Hospitality Land
Agricultural Land
Special Purpose Land
Cannabis Use Land
Covered Land

Will Consider Land That is NOT Entitled

yes

Max LTV for Land

65%

Max LTC for Land Acquisition

65%

Junior Lien Types

Purchase
Refinance
Mezzanine

Max Loan-to-Purchase Price

65%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

Will Consider Lending on Purchase from Auction

Allowed Source of Borrower’s Equity

Own Cash
Partner
Equity in Subject Property
Equity in Another Investment Property
Equity in Primary Residence
Seller Financing
Gap Lender
Crowdfunding
Family

Experience Required

Minimum Number of Value-Add Projects Completed by Borrower

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

65%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

Maximum After Repair Value

75%

We provide land development and ground-up construction loans and specialize in NNN build-to-suit projects.

Development Experience Required

Minimum Number of Ground-Up Construction Projects Completed by Borrower

Max LTC for Ground-Up Construction Costs

65%

Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects

yes

Fees which are paid to a third party company

Legal Fee
Appraisal Fee
Title Fee

Details and Requirements

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only
Interest Reserve
No Monthly Payments Required

Pre Payment Penalty

yes

6 Months

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

yes

Borrower Entity Types Considered

Individual(s)
LLC
Limited Partnership
Trust
Corporation
Non-Profit Corporation
Self-Directed IRA

Documentation Required

Financial Statements

Personal Guaranty (Recourse) Required

Sometimes

Credit Check Required

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Commercial Property

Funded Deals

Houston, TX

$5,000,000

Residential Land

Refinance

View Transaction

C2R Capital

Houston, TX

$3,400,000

Residential Land

Refinance

View Transaction

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C2R Capital Management is a national private real estate lending firm specializing in asset-backed loans. We originate short-term, first-lien bridge, development, and mezzanine loans to owners and developers of most asset classes.

Our direct funding platform fills the void created by traditional lending institutions, providing developers and owners with alternative financing solutions that are creative, flexible, and fast.

EXPERIENCE

Our principles have over 50+ years of combined experience in acquiring, developing, operating, and financing commercial real estate.

Since 2013, our principles have funded 70+ loans across 12 states, representing $250M+ in deployed capital. Likewise, our principles have developed, owned, or financed 5M+ SF of commercial real estate, representing $5B+ in value.

As seasoned developers and investors, we are uniquely equipped to source, understand, analyze, and move quickly to achieve closure.

RELATIONSHIPS

We leverage our vast network of established industry relationships cultivated over decades to source a proprietary deal flow.

EXECUTION

As private lenders, we are not burdened by rigid institutional lending guidelines. We crafted a simple and efficient lending platform, highlighted by an expedited approval process, quick close, and certainty of execution.

CREATIVE

Our team is well versed in navigating the unique complexities of each transaction. Because of our experience and specialized knowledge in real estate development and investment, we have the foresight to seize opportunities that others fail to recognize.

Company Size (Number of Employees)

Year Established

2021

Office Locations

C2R Capital Management, LLC
5851 San Felipe St, Suite 230, Houston, Texas 77057

Primary Capital Source

Own Funds
Debt Fund We Manage
Individual Investors
Bank Credit Line

Alternative Capital Sources

Own Funds
Individual Investors
Family Offices
Bank Credit Line
Private Equity Funds

Percentage of Loans Secured by Commercial Property

95%

Total Number of Loans Funded to Date

Total Loan Volume Funded to Date

$250,000,000

Our Team

Mac Helms

Vice President

Darryl Robinson

Co-Founder

Allen Crosswell

Co-Founder

Brady Crosswell

Co-Founder

Get In Touch

C2R Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Contact COMPANY

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

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