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%
Loan Terms
6 months to 18 months
Origination Fees
2% to 10%
Lien Position
1st, 2nd
Collateral Types
  • Commercial Property
  • Commercial Property Ground Lease
  • Business
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
  • 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 Lien Loan Amounts

$50,000 to $5,000,000

Junior Lien Interest Rates

12% to 18%

Junior Lien Loan-to-Value

50%

Junior Lien Loan-to-Cost

50%

Junior Lien Origination Fees

2% to 10%

We Fund Junior Position Loans

Rarely

Junior Lien Types

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

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

yes

Maximum LTV for Cannabis Use Properties

50%

Cannabis Property Use Type

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

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

no

Max LTV for Land

50%

Max LTC for Land Acquisition

50%

Junior Lien Types

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

Max Loan-to-Purchase Price

60%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Seller Financing
  • Crowdfunding
  • Family

Site Visit Fee

price of airline ticket and hotel

Legal Fee

We roll the legal fees into the loan.

Minimum Origination Fee Amount

$5,000

Fees which are mandatory for all new borrower clients

  • Site Visit Fee
  • Extension Fee

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

1

Payment Structure
  • Amortized
  • Interest Reserve
Pre Payment Penalty

no

Will lend to a foreign national

yes

If the value is there we will do it.
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
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

no

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Always

Get In Touch

Gravity 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.

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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)

4

Year Established

2012

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 Loans Secured by Commercial Property

100%

Total Number of Loans Funded to Date

100

Total Loan Volume Funded to Date

$50,000,000

Our Team

Dave Knudson

President

Josh Lilywhite

Senior Loan Officer

Justin Priestly

CFO

Bryce Svenson

Marketing Manager

Funded Deals

Get In Touch

Gravity 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
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$50,000

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