Capital-Line Funding
Sudbury, Massachusetts
Fast, Pain-Free Lending From a Local Boston Based Private Money Company
Capital-LineFunding (CLF) is a locally based direct lender, lending in Boston and the surrounding areas. Typically, we lend 85% of acquisition cost and 100% of construction cost, no credit checks, no bank statements, no taxes, closing in 14 days or less. We typically can do a walk through and term sheet within 24 hours. When you need a draw you can text us and we’ll be there typically within 24 hours and can wire your funds within 24 hours of inspection. Our goal is to cater to our borrowers so we can work together and both make money as smoothly and as quickly as possible.
CLF offers loans for Fix & Flip, Cash Out, and Acquisitions. Residential properties must be non-owner occupied and held in an LLC.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Property Types
- 2-4 Units Residential
- Auto Repair
- Commercial Condominium
- Commercial Land
- Condominium
- Gas Station
- Hotel
- Industrial
- Manufactured Home
- Mixed-Use
- Motel
- Multifamily
- Parking Lot
- Residential Land
- Retail
- Single Family Residence
- Storage Facility
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
- Commercial Bridge
- Commercial Ground-Up Construction
- Mezzanine
Specialty Loan Types
- Condo Conversion
- Foreclosure Bailout
- Land Development
- Partner Buyout
- Primary Residence Business Purpose Cash Out
- Subdivisions
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
Will Consider Land That is NOT Entitled
yesMax LTV for Land
65%Max LTC for Land Acquisition
70%Max Loan-to-Purchase Price
90%Borrower Must Have Property Under Contract
yesWill 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
- Seller Financing
- Crowdfunding
- Family
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
2Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
1Max LTC for Ground-Up Construction Costs
90%Interest Charged for Construction Costs
Only on Funds DrawnWill Lend on Partially Completed Construction Projects
yesProcessing Fee
$995
Extension Fee
WE NEVER CHARGE EXTENSION FEES
Appraisal Fee
Borrower pays directly to appraiser if necessary. Typically only need on loans over $350,000
Renovation Construction Draw Fee
Per Draw $250
Minimum Origination Fee Amount
$5,000
Fees which are mandatory for all new borrower clients
- Deposit
- Renovation or Construction Funds Draw Fee
Fees which are paid to a third party company
- Appraisal Fee
Get In Touch
Stay Informed About Private Lending
Capital-LineFunding (CLF) is a locally based direct lender, lending in Boston the surrounding areas. Don’t torture yourself with national lenders, we typically can do a walk through and term sheet within 24 hours of a call, both owners of CLF are Boston born and raised. We were local borrowers for many years before we started lending, so we know the needs of being a borrower. When you need a draw you can text us and we’ll be there typically within 24 hours and typically wire your funds within 24 hours of inspection. Our goal is to cater to our borrowers so we can work together and both make money as smoothly and as quickly as possible.
Office Locations
665 Hancock Street, Suite 2, Quincy , Massachusetts 02170111 Boston Post Road, Suite 212, Sudbury, Massachusetts 01776
Our Team
Michael Garrity
Managing Partner
Michael Philbin
Co-Founder
Get In Touch
Stay Informed About Private Lending
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