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
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
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
Max Loan-to-Purchase Price
70%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
noWill 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
- Crowdfunding
- Family
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
80%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
1Maximum After Repair Value
65%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
Commonwealth Capital Testimonials
Successful closing working with a mortgage Broker
L.C. | BROKER
"Commonwealth Capital’s team of professionals consistently utilizes and demonstrates logic, care, and compassion. They are willing to talk about virtually every adverse credit issue in order to grasp a true understanding of the cause(s) and participate in the solution(s) throughout the entire lending process."
Philadelphia, PA
Legal Council for a borrower was able to work with Commonwealth for a successful refinance
R.R. | LEGAL SERVICES
"Commonwealth Capital stepped in for us when other lenders said “no”. Their response to our request was timely and flexible. We are very glad to have found them and happy to recommend them to others."
Staten Island, NY
Lines of credit can be a great tool for real estate owners
J.B. | HEALTHCARE SERVICES
"After evaluating my financial situation back in 2011 Commonwealth Capital provided the needed funding and cash flow to help my business operate. They listened to my concerns over the past 3 years and tailor made a plan to assist my company during this time of economic uncertainty, when other banks and lending institutions did not wish to get involved."
Washington, DC
Contact Commonwealth Capital
Stay Informed About Private Lending
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.
Associations
- American Associations of Private Lenders
- Urban Land Institute
Office Locations
Commonwealth Capital- Philadelphia, PA518 W Lancaster Avenue, Haverford, PA 19041
Commonwealth Capital- Baltimore, MD
875 Hollins St, Suite 201, Baltimore, MD 21201
Our Team
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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.