Direct Lender for Real Estate Investors in the Northeast & Mid-Atlantic Regions

Commonwealth Capital provides short-term bridge and mini-perm loans for businesses and real estate investors who do not qualify for traditional bank credit or need a rapid response and quick closing. Unlike many other private lenders, we hold all our loans on our own balance sheet — which gives us the ability to lend outside of typical underwriting standards. And because we underwrite, fund, and service all loans internally, you can expect an expedited process and direct access to decision makers.

Lines of Credit- Maintain constant access to the cash you need for working capital, growing your real estate portfolio, or fixing and flipping properties.

Bridge Loans- Quickly close on a property, save real estate from foreclosure, or take advantage of a short-term opportunity prior to securing long-term financing.

Construction Loans- Obtain the essential construction funding you need for both ground-up and renovation projects.

Mini-Perm- Need longer term financing? Commonwealth can do a term as long as 5 years with amortization options.

Please note: we do NOT offer loans for land or consumer purposes.  We will offer cash-out loans on primary residences if the funds will be used for investment purposes. 

Property Geographic Area Details
We lend in 9 states: DC, DE, CT, FL, MD, NJ, NY, PA, VA
Loan Amounts
$100,000 to $4,000,000
Interest Rates
12% to 15%
Loan Terms
1 months to 60 months
Origination Fees
2% to 4%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
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
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Agricultural
  • Assisted Living Facility
  • Auto Dealership
  • Auto Repair
  • Bed and Breakfast
  • Cannabis Dispensary
  • Cannabis Grow Facility
  • Car Wash
  • Casino
  • Child Day Care
  • Cinema
  • Club
  • Commercial Condominium
  • Community Center
  • Condominium
  • Cooperative
  • Equestrian
  • Event Center
  • Gas Station
  • Golf Course
  • Gym
  • Healthcare
  • Hospital
  • Hostel
  • Hotel
  • Industrial
  • Manufactured Home
  • Marina
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Night Club
  • Office
  • Place of Worship
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Recreational
  • Rehabilitation Facility
  • Religious Facility
  • Retail
  • School
  • Senior Housing
  • Single Family Residence
  • Sports Facility
  • Storage Facility
  • Student Housing
  • Theater
  • Winery

Loan Types

  • Commercial Bridge
  • Commercial Property Value Add

Specialty Loan Types

  • Bankruptcy Resolution
  • Cannabis Use Properties
  • Debtor in Possession
  • Discounted Note Payoff
  • Foreclosure Bailout
  • Line of Credit Portfolio of Properties
  • Line of Credit Single Property
  • Note Purchase
  • Partner Buyout
  • Primary Residence Business Purpose Cash Out
  • Residential Long-Term Rental
  • Residential Non-Prime
We do allow seller-held notes and secondary financing. We usually require borrowers to contribute a minimum of 20% cash down, however, on a case by case basis, this can be reduced or eliminated.

Max Loan-to-Purchase Price


Borrower Must Have Property Under Contract


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
  • Crowdfunding
  • Family

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw


Maximum After Repair Value


Fees which are mandatory for all new borrower clients

  • Deposit
  • Legal Fee
  • Appraisal Fee
  • Title Fee

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
  • Amortized
  • Interest Reserve
Pre Payment Penalty


Will lend to a foreign national


No Prepayment penalty
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Tax Returns
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Credit Check Description

We do not have a minimum credit score but we will want to understand the reasons behind any credit issues.

Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property


Funded Deals

Commonwealth Capital Testimonials

Get In Touch

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

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Commonwealth Capital provides real estate secured financing (short-term bridge and mini-perm loans) for businesses and real estate investors that do not qualify for traditional bank credit or need a rapid response.

Since our founding in 2010, we have funded over $100 million in small balance commercial real estate loans, representing more than 300 transactions.

We use a common-sense approval process, free from the headaches of a traditional bank lender. We take pride in being able to offer real estate owners creative loan structures as well as direct access to the decision makers responsible for financing —professionals who collectively boast more than 100 years of real estate investing experience. This unique accessibility allows for a quick approval and closing process.

We encourage you to learn more about our team and how we can provide the mortgage financing you need.

Company Size (Number of Employees)


Year Established



  • American Associations of Private Lenders
  • Urban Land Institute

Office Locations

Commonwealth Capital- Philadelphia, PA
518 W Lancaster Avenue, Haverford, PA 19041

Commonwealth Capital- Baltimore, MD
875 Hollins St, Suite 201, Baltimore, MD 21201

Primary Capital Source
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Our Team

Chandler Hoopes

President and CEO

Alex Benoit

President & Chief Lending Officer

Kevin Kane

Chief Risk Officer

Seth Broder

General Counsel

Jack Hoopes


Don Young


Get In Touch

Commonwealth 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.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Contact This Lender

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

Contact Commonwealth Capital by whichever method you choose.

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


Send an email to Commonwealth Capital