Equity Based Capital
Equity Based Capital is a privately funded direct hard money lender serving real estate investors in Connecticut only. They offer short-term bridge, fix-and-flip and cash-out refinance loans for all types of investment properites, emphasizing property equity over borrower credit.
Lending Quick Facts
- Loan Types: Purchase bridge, Fix-and-flip, equity cash out, distressed property, commercial bailout loans
- Geographic Focus: Connecticut (all counties)
- Property Types: Residiential investment properties, multifamily, mixed-use, industrial, retail, office, and select specialty commercial properties
- Occupancy: Non-owner-occupied investment properties, vacant or leased
- Maximum Leverage: Up to 70% LTV
- Lien Position: First lien on primary property but considers 2nd liens on additional collateral located in Connecticut
- Typical Loan Term: 12 months with extensions considered
- Underwriting Approach: Equity-based, focusing on success of borrower's exit strategy
- Borrower Experience: First-time borrowers through seasoned real estate investors may be financed
- Primary Borrowers: Real estate investors, contractors, developers, individuals, and companies
- Pricing: Most loans priced at 12.95% interest plus 2.50 origination points, but no junk fees or draw fees, and closing costs can be financed
Bridge Loans
- Lending Areas: Connecticut
- Loan Purpose: Purchase, refinance, or cash out equity
- Property Types: All types of improved investment properties
- Loan Amounts: $50,000 to $1,000,000
- Maximum Loan-to-Value: Up to 70%
- Lien Position: First lien
- Loan Term: 12 months
- Eligible Borrowers: Individuals, real estate investors, contractors, developers, and companies
- Underwriting: Focused on equity and borrower
- Minimum Credit Score: None
- Occupancy: Vacant or leased; owner-occupancy accepted for commercial properties
- Additional Collateral: Equity in other investment property may be used as additional collateral, even in 2nd lien position
Fix and Flip Loans
- Lending Areas: Connecticut
- Loan Purpose: Acquisition and renovation of a residential property
- Property Types: Residential, small multifamily, mixed-use
- Loan Amounts: $50,000 to $1,000,000
- Maximum loan-to-purchase price: Up to 70%
- Minimum down payment: 30% in cash or equity in another investment property
- Maximum loan-to-cost: 100% of renovation budget
- Maximum loan-to-after-repair value: 70%
- Loan Term: 12 months with extensions considered
- Borrower Experience: First-time borrowers considered
- Underwriting: Equity-focused, not driven by credit or income
- Minimum Credit Score: None
- Draw Process: Physical site inspections and detailed construction draw schedules used; no fee charged
- Draw Documentation: Paid receipts, permitting, and lien releases reviewed before applicable draws
- Valuation Method: Desktop appraisal and basic inspection
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
Residential Construction
Multifamily Construction
Commercial Construction
Property Types
- 2-4 Units Residential
- Commercial Land
- Condominium
- Gas Station
- Industrial
- Mixed-Use
- Office
- 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
- Multifamily Bridge
- Multifamily Rehab
- Commercial Bridge
- Commercial Property Value Add
Specialty Loan Types
- Luxury Homes
- Partner Buyout
- Vacation Rental
Minimum Origination Fee Amount
$1,500
Common Loan Scenarios
- Investor purchasing a Connecticut property to renovate and resell
- Purchasing an investment property in Connecticut to lease and hold long term
- Pulling equity out of a Connecticut investment property for a short term
- Connecticut Business owner seeking a short-term loan secured by commercial real estate
- Developer building a spec home in Connecticut
Scenarios Not Considered
- Financing a borrower-occupied primary residence
- 100% Financing
- 2nd mortgage equity cash out
- Long-term financing over 12 months
- Cooperative buildings
- Consumer-purpose loans unrelated to an investment or business transaction
Questions & Answers
Equity Based Capital makes loans secured by real estate investors in Connecticut only, including rural areas.
Equity Based Capital offers fix-and-flip loans, bridge loans, financing for distressed properties, cash-out refinances, and commercial bailout loans. Their financing is structured as short-term private or hard money lending secured by real estate.
No, Equity Based Capital does not run credit reports. Instead, they run a background check to make sure borrowers do not have recent foreclosures or judgements and meet other obligations such as child support payments.
Equity Based Capital's maximum loan-to-value ratio is 70%. Borrowers need a 30% down payment for a purchase or 30%+ equity for a refinance.
No, Equity Based Capital will not consider a borrower's residence as collateral.
Yes. Equity Based Capital will consider first-time investors for house rehab projects so long as they have enough cash for a 30% down payment and cash reserves.
Yes. Equity Based Capital will fund up to 70% of the purchase price and 100% of the rehab budget, up to 70% of the after-repair value.
Equity Based Capital typically conducts one physical site inspection in the middle of the project and reviews items such as paid receipts, permits, and lien releases before releasing draws. If there is to be only one draw, the inspection is normally done upon completion of the renovation project.
Equity Based Capital loans mature in 12 months, but they will work with borrowers that need extra time to exit the loan.
No. Equity Based Capital makes and services private loans secured by a first lien, but they will consier additional collateral wtih a 2nd lien if there is sufficient equity.
Yes. Equity Based Capital identifies commercial properties among the transactions it seeks to finance and also offers commercial bailout loans.
Yes. Multifamily real estate is specifically identified among the property types Equity Based Capital finances.
Yes. Equity Based Capital specifically identifies distressed properties, foreclosures, bank-owned properties, and short-sale acquisitions as financing opportunities.
Yes. Cash-out refinance is one of the loan programs specifically listed by Equity Based Capital.
Yes. Equity Based Capital states that borrowers may use personal property as additional collateral for investment-property loans.
Last updated: October 12, 2026
Equity Based Capital’s Lending Activity
Data Provided By Elementix
12mo Loan Volume
$47,622,810
12mo Loan Count
154
Total Loan Volume
$171,955,391
Average Loan Size
$251,765
Company Quick Facts
- Year Established: 2021
- Headquarters: Branford, Connecticut
- Company Type: Privately funded direct hard money lender
- Leadership: Jeff Villano (Managing Partner), Donna Genovese (Managing Partner)
- Geographic Focus: Connecticut (all counties)
- Primary Customers: Real estate investors, contractors, developers, and property owners
- Loan Types: Fix & Flip Loans, Bridge Loans, Cash-Out Refinance Loans, Distressed Property Loans, Commercial Bail-Out Loans
- Property Types: Non-owner-occupied residential, commercial, multifamily, distressed, foreclosure, bank-owned, and short-sale properties
- Lending Strategy: Equity-based underwriting with emphasis on collateral rather than credit or income documentation
- Lien Position: Primarily first-lien mortgages
- Maximum Leverage: Up to 70% loan-to-value (LTV) and 70% loan-to-purchase price
- Typical Loan Term: 12 months
- Capital Sources: Private mortgage fund with accredited investors’ capital
- Experience: Management team with more than 30 years of combined experience in equity-based lending and real estate investing
Office Locations
Our Team
Our minimum loan amount is $50,000