Capital Funding Financial
Boca Raton, Florida
NMLS ID 1500207, FL MLD 1733, CFL 60-DB0-159970A
Direct Lender for Real Estate Investors
Capital Funding Financial is a nationwide, direct private money lender with a large balance sheet to fund a variety of loan types. We make private lending simple. No drama. No red tape. No endless documentation. We offer our clients the ability to close a loan in just days not weeks!
- Streamlined Underwriting
- LOI issued in 24 Hours
- Close in as little as 3 days
- No Tax Returns needed
- No Minimum Credit Score requirement
- No Appraisal needed (for most deals)
Please note: We do NOT offer loans for owner-occupied homes. Private lending is for investment purposes.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
Residential Construction
Multifamily Construction
Commercial Construction
Hard Money Loan
- $150,000 – $25 MILLION
- UP TO 65% LTV
- STARTING AT 9.99%+
- CLOSING: 3 – 7 DAYS
Fix & Flip Loan
- $150,000 – $10 MILLION
- UP TO 90% LTC
- STARTING AT 9.50%+
- CLOSING: 14 – 21 DAYS
Rental Investment Loan
- $100,000 – $5 MILLION
- UP TO 80% LTV
- STARTING AT 6.50%+
- CLOSING: 14 – 21 DAYS
Ground Up Construction
- $1,000,000 – $50 MILLION
- UP TO 85% LTC | 65 – 70% Stabilized Value
- STARTING AT 10.99%+
- CLOSING: 21-28 DAYS
Commercial Bridge Loan
- $1,000,000 – $25 MILLION
- UP TO 75% LTV
- STARTING AT SOFR + 6.00%
- CLOSING: 14 – 28 DAYS
Property Types
- 2-4 Units Residential
- Adult Day Care
- Agricultural
- Auto Repair
- Car Wash
- Commercial Condominium
- Commercial Land
- Condominium
- Equestrian
- Event Center
- Gas Station
- Industrial
- Mixed-Use
- Mobile Home Park
- Multifamily
- Night Club
- Office
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- Ranch
- Residential Land
- Retail
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Multifamily Bridge
- Multifamily Rehab
- Commercial Bridge
- Commercial Property Value Add
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- Bankruptcy Resolution
- Cannabis Use Properties
- Commercial Permanent Financing
- Discounted Note Payoff
- Foreclosure Bailout
- Land Development
- Line of Credit Portfolio of Properties
- Line of Credit Single Property
- Note Purchase
- Partner Buyout
- Primary Residence Bridge
- Primary Residence Business Purpose Cash Out
- Residential Non-Prime
- Reverse 1031 Exchange
Junior Lien Loan Amounts
$150,000 to $150,000
Junior Lien Interest Rates
9.99% to 10.99%
Junior Lien Loan-to-Value
65%
Junior Lien Loan-to-Cost
70%
Junior Lien Origination Fees
2.5% to 4.0%
We Fund Junior Position Loans
Often
Junior Lien Types
- Purchase
- Refinance
- Equity Cash Out
Agribusiness Types
- Equestrian
Land Types Considered
- Residential Land
- Multifamily Land
- Office Land
- Retail Land
- Agricultural Land
- Special Purpose Land
- Cannabis Use Land
Will Consider Land That is NOT Entitled
noMax LTV for Land
50%Max LTC for Land Acquisition
50%Junior Lien Types
- Purchase
- Refinance
- Equity Cash Out
Max Loan-to-Purchase Price
90%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed 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
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
2Maximum After Repair Value
75%Minimum Loan Amount
$100,000Maximum Loan Amount
$10,000,000Minimum Interest Rate
5.99%Maximum Interest Rate
8.99%Minimum Origination Fee
1.00%Maximum Origination Fee
2.95%Minimum Loan Term
12 monthsMaximum Loan Term
360 monthsMaximum Loan-To-Value
80%Maximum Loan-To-Purchase
90%Maximum Debt-to-Income Ratio
90%Will Lend on a Portfolio of Properties
YesMinimum Number of Properties
2Maximum Number of Properties
250Minimum Property Value
$100,000Maximum Property Value
$10,000,000Deposit Required
Deposit - 100% refundable and credited to closing costs Used for BPO, Credit/Background, and Title Search
Processing Fee
495
Legal Fee
$750 - $1995 (depending on complexity & property use)
Fees which are mandatory for all new borrower clients
- Other Fee
Fees which are paid to a third party company
- Appraisal Fee
Contact Capital Funding Financial
Stay Informed About Private Lending
Capital Funding Financial is a Nationwide, Direct Private Money Lender specializing in Fast & Affordable Mortgage Solutions for Real Estate Investors such as Single Family & Multifamily Bridge Loans, Single Family DSCR Loans, Single Family & Multifamily Fix & Flip Loans, Commercial Bridge Loans, Ground Up Construction, Land, JV Equity, and Commercial Perm Loans. We offer our clients the ability to close a loan in just days not weeks!
Whether you are a new investor or an experienced veteran we look forward to helping you achieve success as your lending partner. Partner with America’s Fastest Hard Money Lender for Real Estate Investors.
With over 1,000 SFR communities developed by our family office… we know land and we know construction! We partner with small local developers on the Debt & Equity in making their project come to life!
Associations
- Florida Bar
- American Bankers Association
- American Association of Private Lenders
Office Locations
Headquarters5550 Glades Road, Suite 200, Boca Raton, Florida 33431
Massachusetts Office
665 Simonds Road , Williamstown, Massachusetts 01267
Our Team
David DiNatale
Attorney & Manager
FL Bar - 117503
NMLS - 1401288
Contact Capital Funding Financial
Stay Informed About Private Lending
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Create a Loan Request
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If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.
Our Minimum Loan Amount Is
$100,000
What We Do
- Bridge, Rehab, Construction Loans
- All Types of Investment Properties
- In-House Valuations for Most Loans
- Fast Closings - typically 7 days
Not Available
- NO 100% Financing
- NO Owner-Occupied Homes