Carlyle Capital is a direct private money lender performing asset-based lending on a large variety of properties. We assist borrowers who don’t want to deal with the strict underwriting guidelines of traditional lenders, don’t have the time to await bank approval, or have a project that would traditionally be deemed as unable to finance.

Since we are a direct lender, we have our own underwriting guidelines and standards which translate into a quick, fast and efficient process to approve your loan and get it funded! In loan transactions, we focus on the value of the asset, the use of loan proceeds, and the plan to repay during our underwriting process.  We work efficiently to provide you the capital when you need it.

Loan Amounts

$500,000 to $25,000,000

Interest Rates

7.99% to 12.99%

Max Loan-To-Value

75.00%

Max Loan-To-Cost

85.00%

Origination Fees

2% to 4.0%

Loan Terms

12 months to 60 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
  • Development Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
  • Owner Occupied Commercial
Minimum Occupancy Percentage

0%

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Auto Repair
  • Commercial Condominium
  • Condominium
  • Cooperative
  • Hotel
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Retail
  • Senior Housing
  • Single Family Residence
  • Storage Facility
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Commercial Ground-Up Construction
  • Residential Ground-Up Construction

Specialty Loan Types

  • Residential Long-Term Rental

Purchase Loan

Max Loan-To-Purchase Price

85.00%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

no

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property
  • Family

Description

High leverage available for well experienced borrowers, particularly on value-add projects.

Rehab Value Add Loan

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100.00%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

5

Maximum After Repair Value

75.00%

Description

Up to 100% LTC on Rehab for well-experienced borrowers and high quality projects.

Construction Loan

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

3

Max LTC for Ground-Up Construction Costs

80.00%

Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects

yes

Description

For ground up construction, Carlyle Capital is able to provide 50-65% LTV against land and 80% LTC against construction for residential projects (limited by 70% of ARV).

Details and Requirements

Typical Closing Time (Days)

20

Fastest Closing Time (Days)

5

Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Amortized
  • Interest Reserve

Pre Payment Penalty

no

Will lend to a foreign national

yes

Foreign national lending available, typically at a reduced LTV.

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

no

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered

  • LLC
  • Trust
  • Corporation
  • Self-Directed IRA

Documentation Required

  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application

Personal Guaranty (Recourse) Required

Sometimes

Credit Check Required

yes

Minimum Credit Score Required

600

Credit Check Description

No minimum credit score by exception.

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Fees

Deposit Required

$1,500.00 to $35,000.00

Site Visit Fee

$500.00 to $3,000.00

Legal Fee

Appraisal Fee

Fees which are mandatory for all new borrower clients

  • Deposit
  • Due Diligence Fee
  • Underwriting Fee
  • Documents Fee
  • Legal Fee
  • Appraisal Fee

Fees which are charged upfront prior to loan closing

  • Deposit

Fees which are paid to a third party company

  • Documents Fee
  • Legal Fee
  • Settlement Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee
  • Background Check Fee
  • Environmental Report Fee

Carlyle Capital is an asset-based private lender and asset management company in the business of deploying capital. We offer debt financing to acquire, refinance, restructure, and develop real estate holdings. By utilizing our own capital, as well as having extensive strategic partners, Carlyle Capital is able to competitively fund deals of any magnitude.

Since our inception in 2000, Carlyle Capital has provided timely real estate financing solutions. Our track record as an owner, lender, and investor has allowed us to create an unrivaled reputation for underwriting and understanding even the most complex of transactions. Our focus is to provide financing for transactions in a wide range real estate projects of all types, including residential, commercial, multifamily, development, retail, office, industrial, hospitality, land, and mixed-use.

Carlyle Capital’s comprehensive due diligence process entails understanding the borrower’s priorities and unique characteristics of each deal so that a compelling solution can be offered. Our ability to fund capital needs, even the most challenging, is second to none.

From origination to evaluation to overall debt structure, Carlyle Capital seamlessly delivers competitive and innovative capital for a variety of real estate transactions.

License

CA DRE Lic. 02074386

Established

2000

Office Locations

Carlyle Capital
3 Park Plaza, Suite 780, Irvine, California, 92614

Primary Capital Source

  • Own Funds
  • Debt Fund We Manage
  • Bank Credit Line
  • Crowdfunding

Alternative Capital Sources

  • Individual Investors
  • Family Offices
  • Hedge Funds
  • Life Insurance Companies
  • Friends & Family
  • Asset Management Companies

Loan Structure for Majority of Loans

  • Own Balance Sheet
  • Multiple Investor Fractionalized Note
  • LLC Syndicated Investors
  • Multiple Lender Participation
  • A/B Note Participation with Bank
  • A/B Note Participation with Private Investor

Alternative Loan Structures

  • One Investor One Loan

Percentage of company’s lending business focused on private mortgage

90%

Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Real Estate Investing
  • Residential Real Estate Investing
  • Real Estate Development

Percentage of Loans Secured by Commercial Property

40%

Percentage of Loans Secured by Residential Property

60%

Percentage of Residential Property Loans Which are Fix and Flip

60%

Percentage of Residential Property Loans Which are Buy and Hold

35%

Percentage of Residential Property Loans Which are Owner-Occupied

0%

Percentage of Loans Secured by Land

0%

Percentage of Loans Secured by a Business (not real estate)

0%

Percentage of Commercial Property Loans Which are Ground-Up Construction

5%

Percentage of Residential Property Loans Which are Ground-Up Construction

20%

Percentage of Residential Property Loans Which are Long-Term Rental (5+ years)

10%

Total Number of Loans Funded to Date

3772

Total Loan Volume Funded to Date

$720,000,000

2017 Number of Loans Funded

204

2017 Loan Volume Funded

$71,000,000

2018 Number of Loans Funded

225

2018 Loan Volume Funded

$65,000,000

Mark Atalla

Managing Director

Andrew Abas

Managing Director

Robert Epstein

Managing Director

Maz Fakhimi

Analyst

Araby Hassan

Analyst

Bryant Martinez

Analyst

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.

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(temp use, storage, billboard, parking, etc.)

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If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.

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how will the loan be paid off?

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Completed Transactions