JLJ Capital

JLJ Capital, based in Pine Brook, New Jersey, is a private lender offering flexible financing solutions for commercial and residential investment properties across the U.S. Their services include bridge loans, acquisitions, and rehab financing with loan amounts ranging from $250,000 to $100 million.

Direct Lender Providing Flexible & Creative Private Financing for Investment Real Estate

JLJ Capital is a private direct lender that provides alternative financing solutions for commercial and residential investment properties throughout the United States: acquisitions, rehab, fix & flip, value-add, ground-up construction, short-term refinancing, and 30-year rental (Single-Family only).

Please note: We do not lend on owner-occupied homes or specialty commercial properties.

Common Loan Scenarios
  • Residential Investment Property
  • Multifamily and Mixed-Use Properties
  • Bridge, Rehab, Construction
  • Up to 80% Loan-to-Purchase Price
  • 20% Cash Required for Rehab Deals
Scenarios Not Considered
  • NO 100% Financing
  • NO Owner-Occupied Homes
  • NO Cannabis Use Properties
  • NO Rural Areas

Details and Requirements

Property Geographic Area Details

Nationwide except for CA, NV, ND, SD

Loan Amounts

$250,000 to $100,000,000

Interest Rates

6.5% to 10%

Origination Fees

1% to 2.5%

Loan Terms

6 to 24 months

Lien Position

1st

Credit Check Required

yes

Credit Check Details

We can do any credit score, and deal structure will vary

Prepayment Penalty

yes

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

7

Payment Structure
  • Interest Only
  • Interest Reserve
Personal Guaranty (Recourse) Required
Always
Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Appraisal Required for Residential Property

Always

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

no

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Equity Joint Venture

yes

Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Value Add Project
  • Development Project
Property Occupancy
  • Tenant Occupied 100%
  • Tenant Occupied Partial

JLJ Capital is a private direct lender based in New York that provides alternative financing solutions for bridge-lending, acquisitions, ground-up construction, short-term refinancing, mezzanine, mortgage takeout, partner buyout, and other real estate projects for multi-family and mixed-use real estate projects throughout the United States.

COMPANY HISTORY

JLJ Capital was founded in 2017 by Jonathan Lewis, Justin Podolsky and Lee Podolsky as a private independent real estate development company focused on lending on different types of commercial real estate throughout the continental United States, with a focus on New Jersey, New York and Texas.

JLJ Capital believes that many experienced real estate investors, owners, and operators have short term needs that banks cannot meet on a timely basis, and JLJ Capital’s goal is to be there for them with a time horizon of up to 36 months. The Fund was formed to provide investors the opportunity to participate in JLJ Capital’s vision.

The management team has 30 years of lending and operational experience in real estate in hotel and multi-family sectors. The extensive experience allows JLJ Capital to follow commercial banks’ underwriting standards while move quickly in origination and execution with robust deal flow through established relationships with real estate developers, owner’s operators, brokers, servicers, etc.

OUR APPROACH

We view our customers as partners. Therefore, we feel an obligation to not only lend funds but to make sure that our partners have a successful outcome. With over 30 years of lending and operational experience our recommendations are carefully thought out.

We utilize experts in Architecture, Engineering and Construction to review all loans before approval. Since we view this as a partnership we not only meet our borrowers at their offices but have them come to our offices as well before we close our first loan. In order for us to lend money to a partner we want everyone to be comfortable with our process.

Office Locations

330 Changebridge Road, Pine Brooke, New Jersey 07058

Connect with JLJ Capital:

Our Team

Jonathan Lewis

CEO

Justin Podolsky

Partner

Lee Podolsky

Partner

Robert Kim

Financial Officer

Bryan Altunel

Staff Accountant

Alec Oriolo

Investment Analyst

Info Our minimum loan amount is $250,000

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