Gravity Capital LLC is a direct lender that provides lending solutions to entrepreneurs who need quick, quality funding sources for solid business real estate ventures. Whether you need funding to finish a real estate property project, or you need money to update your company’s equipment, our team is standing by to answer your questions and address your  concerns.

Property Geographic Area Details

Nationwide - All 50 States

Loan Amounts

$50,000 to $5,000,000

Interest Rates

12% to 18%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

2% to 10%

Loan Terms

6 months to 18 months

Lien Position

  • 1st
  • 2nd

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 and Loan Types

Collateral Types

  • Commercial Property
  • Commercial Property Ground Lease
  • Business

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
  • Commercial Land
  • Community Center
  • Cooperative
  • Equestrian
  • Event Center
  • Gas Station
  • Golf Course
  • Gym
  • Healthcare
  • Hospital
  • Hostel
  • Hotel
  • Industrial
  • Marina
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Night Club
  • Office
  • Parking Lot
  • Place of Worship
  • Portfolio of Commercial Properties
  • RV Park
  • Ranch
  • Recreational
  • Rehabilitation Facility
  • Religious Facility
  • Retail
  • School
  • Senior Housing
  • Sports Facility
  • Storage Facility
  • Student Housing
  • Theater
  • Timberland
  • Vehicle Parking
  • Winery

Loan Types

  • Commercial Bridge

Specialty Loan Types

  • Cannabis Use Properties

Junior Liens

Junior Lien Loan Amounts

$50,000 to $5,000,000

Junior Lien Interest Rates

12% to 18%

Junior Lien Loan-to-Value


Junior Lien Loan-to-Cost


Junior Lien Origination Fees

2% to 10%

We Fund Junior Position Loans


Junior Lien Types

  • Purchase
  • Equity Cash Out
  • Preferred Equity
We will consider any loan as long as the value is there.

Agribusiness Loan

Agribusiness Types

  • Cattle Ranch
  • Cannabis
  • Citrus Grove
  • Corn
  • Cotton
  • Dairy
  • Equestrian
  • Melons
  • Peach
  • Peanuts
  • Potatoes
  • Poultry
  • Row Crops
  • Swine
  • Tree Nuts
  • Vegetables

Will Consider Cannabis Use Properties


Maximum LTV for Cannabis Use Properties


Cannabis Property Use Type

  • Cultivation
  • Retail Dispensary
  • Retail Sales
  • Manufacturing
  • Processing
  • Production

Land Loan

Land Types Considered

  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Agricultural Land
  • Special Purpose Land
  • Cannabis Use Land
  • Covered Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


Purchase Loan

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
  • Seller Financing
  • Crowdfunding
  • Family

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Amortized
  • Interest Reserve

Pre Payment Penalty


Will lend to a foreign national


If the value is there we will do it.

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

Documentation Required

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

Personal Guaranty (Recourse) Required


Credit Check Required


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Site Visit Fee

$0 to $1,500.00

price of airline ticket and hotel

Legal Fee

We roll the legal fees into the loan.

Minimum Origination Fee Amount


Fees which are mandatory for all new borrower clients

  • Site Visit Fee
  • Extension Fee

Fees which are charged upfront prior to loan closing

  • Site Visit Fee
  • Extension Fee

Gravity Capital LLC was established in 2012 by Dave Knudson. The company initially focused on real estate related to the oil and gas industries but quickly began to extend into other markets. Gravity Capital’s loans are backed by a hedge fund, meaning that we have a near limitless amount of capital and will do any deal that meets our criteria.

Utah Division of Corporations Entity Number: 8110139-0160 (Gravity Segregation, LLC)

Company Size (Number of Employees)


Year Established


Office Locations

531 East 770 , Orem, Utah 84097

Primary Capital Source

  • Own Funds
  • Individual Investors
  • Hedge Funds

Alternative Capital Sources

  • Own Funds
  • Individual Investors
  • Hedge Funds

Loan Structure for Majority of Loans

  • Own Balance Sheet

Percentage of company’s lending business focused on private mortgage


Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Land


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


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


2018 Number of Loans Funded


2018 Loan Volume Funded


Dave Knudson


Real estate is particularly significant in David’s vast experience, as he has been involved in many successful real estate ventures, as well as an investor in properties. Some of his solid business background includes non-performing loan portfolios and loans secured by real estate, in addition to owning a title company. David’s business expertise also includes land value and mineral acquisitions, as he has dealt in negotiating oil and gas leases and right of ways in the oil industry. At Gravity Capital LLC, David specializes in lending capital that can be collateralized in many ways. This includes real estate, accounts receivable, alternate businesses, medical companies, equipment and more. David loves what he does and is an expert in creating the best scenario for entrepreneurs to meet their goals, succeed in acquiring property and develop successful enterprises.

Josh Lilywhite

Senior Loan Officer

Josh Lilywhite is responsible for generating and evaluating investment opportunities for Gravity Capital. He will often be your first point of contact and can quickly assess the collateral value of any given property and put together the basic framework for a deal.

Justin Priestly


Justin serves as the CFO of Gravity Capital. Justin is an accounting professional with substantial experience and expertise in financial reporting, budgeting, and financial analysis. Prior to joining Gravity, Justin worked as a senior accountant for the Summit Companies. Justin has also held accounting positions at the Rio Tinto Technology and Innovation Finance group and Kennecott Finance group. Justin holds a BS in economics from Vanderbilt University and a Master’s of Accounting from the University of Utah.

Bryce Svenson

Marketing Manager

Bryce serves as the Chief Marketer for Gravity Capital. His duties include: content production, website design, SEO and marketing strategy for the company. He currently attends Brigham Young University studying marketing and business.

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

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


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


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


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


how will the loan be paid off?


Add links to photos here.


Add links to photos here.


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