Layla Capital

Direct Lender for Commercial and Residential Investment Properties in the East Coast

Layla Capital is a Boca Raton, Florida based direct bridge lender that specializes in small to middle market debt opportunities in major cities nationwide, with a focus on the East Coast and Midwest. Founded on the principles of transparency, reliability and consistency in asset based lending, Layla remains focused on building loyal client and broker relationships over time with a proven track record and certainty of execution.

Quick Closings – We can close deals in as little as 2 weeks
Certainty of Execution – Worry free process with no hassles
Competitive Rates – Layla Capital offers the best loan pricing available for clients
Flexible Terms – We structure unique terms to work best for each deal
Direct Lender – We lend on our own balance sheet
Brokers Protected – We ensure brokers are protected in our term sheets

Property Geographic Area Details

East Coast & Midwest

Loan Amounts

$150,000 to $15,000,000

Interest Rates

6% to 11%

Loan Terms

12 months to 360 months

Origination Fees

1.5% to 2.5%

Lien Position

1st, 2nd

Collateral Types

Residential Property
Commercial Property

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%
Tenant Occupied Partial
Owner Occupied Commercial

Maximum Leverage

Purchase Short-Term (no Value-Add)

Max LTP Residential: 75%

Max LTP Multifamily: 75%

Max LTP Commercial: 75%

Max LTP Land: 60%

Purchase Long-Term

Max LTP Residential: 80%

Max LTP Multifamily: 80%

Max LTP Commercial: 80%

Refinance Short-Term (no Cash Out)

Max LTV 1st Lien Residential: 75%

Max LTV 1st Lien Multifamily: 75%

Refinance & Cash Out Short-Term

Max LTV 1st Lien Residential: 75%

Max LTV 1st Lien Multifamily: 75%

Refinance Long-Term

Max LTV Residential: 75%

Max LTV Multifamily: 75%

Residential Fix & Flip

Max LTP: 90%

Max LTC: 90%

Max LTARV: 75%

Residential Rehab & Hold

Max LTP: 90%

Max LTC: 90%

Max LTARV: 75%

Multifamily Value-Add

Max LTP: 90%

Max LTC: 90%

Max LTARV: 75%

Commercial Value-Add

Max LTP: 70%

Max LTC: 90%

Max LTARV: 70%

Residential Construction

Max LTP Land: 60%

Max LTC: 90%

Max LTCV: 70%

Multifamily Construction

Max LTP Land: 60%

Max LTC: 90%

Max LTCV: 70%

Property Types

2-4 Units Residential
Adult Day Care
Auto Dealership
Auto Repair
Car Wash
Child Day Care
Commercial Condominium
Commercial Land
Community Center
Condominium
Cooperative
Gas Station
Gym
Healthcare
Industrial
Manufactured Home
Marina
Mixed-Use
Mobile Home
Mobile Home Park
Multifamily
Office
Parking Garage
Parking Lot
Portfolio of Commercial Properties
Portfolio of Residential Properties
RV Park
Residential Land
Retail
Single Family Residence
Storage Facility
Student Housing
Vehicle Parking

Loan Types

Commercial Property Value Add

Specialty Loan Types

2nd Mortgage Equity Cash Out
Bankruptcy Resolution
Condo Conversion
Debtor in Possession
Discounted Note Payoff
Foreclosure Bailout
Land Development
Luxury Homes
Note Purchase
Partner Buyout
Residential Long-Term Rental
Residential Non-Prime
Residential Short-Term Rental
Subdivisions
Transactional Funding
Vacation Rental

Junior Lien Loan Amounts

$500,000 to $5,000,000

Junior Lien Interest Rates

10.0% to 15.0%

Junior Lien Loan-to-Value

70%

Junior Lien Loan-to-Cost

75%

Junior Lien Origination Fees

2.0% to 3.0%

We Fund Junior Position Loans

Rarely

Junior Lien Types

Purchase
Refinance

We can fund 2nd Mortgage positions behind conventional lenders, subject to an inter-creditor agreement.

Land Types Considered

Residential Land
Multifamily Land
Industrial Land
Office Land
Retail Land

Will Consider Land That is NOT Entitled

Existing Land Improvements Required

Street Access
Electricity
Gas
Water

Max LTV for Land

55%

Max LTC for Land Acquisition

55%

Junior Lien Types

Purchase
Refinance

We can fund 2nd Mortgage positions behind conventional lenders, subject to an inter-creditor agreement.

Max Loan-to-Purchase Price

90%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

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
Family

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

Maximum After Repair Value

75%

Minimum Loan Amount

$100,000

Maximum Loan Amount

$1,500,000

Minimum Interest Rate

Maximum Interest Rate

Minimum Origination Fee

1.75%

Maximum Origination Fee

2.5%

Maximum Loan Term

360 months

Maximum Loan-To-Value

80%

Maximum Loan-To-Purchase

80%

Seasoning Time

-3 months

Minimum Debt Service Coverage Ratio

0.75

Will Lend on a Portfolio of Properties

Yes

Minimum Number of Properties

Minimum Property Value

$100,000

Fees which are mandatory for all new borrower clients

Due Diligence Fee

Details and Requirements

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only
Interest Reserve
No Monthly Payments Required

Payment Structure Details

Typically interest reserve held back to make monthly payments

Pre Payment Penalty

yes

Typically half the loan term

Will lend to a foreign national

yes

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

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

Borrower Entity Types Considered

LLC
Limited Partnership
Trust
Corporation

Documentation Required

Credit Report
Tax Returns
Loan Application

Personal Guaranty (Recourse) Required

Sometimes

Credit Check Required

Minimum Credit Score Required

550

Credit Check Description

We are asset-focused and less personal credit oriented with our underwriting

Appraisal Required for Residential Property

Always Before Funding

Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Additional Details

Expense deposit required upon term sheet signing to cover out of pocket third party due diligence costs.

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Layla Capital is a direct lender based in Boca Raton, FL (formerly New York City) that specializes in small to middle market debt opportunities in primary and secondary markets nationwide, with a greater focus on the East Coast and Midwest. Founded on the principles of transparency, reliability and consistency in asset-based lending, Layla remains focused on building loyal client and broker relationships over time with a proven track record and certainty of execution.

Layla Capital’s lending platform offers loans up to $15 million and specializes in core real estate assets, including single-family investment properties, multifamily, mixed-use, retail, office, development sites and other commercial property types. We consider all situations and offer a wide range of flexible solutions to borrowers in need of private, quick and creative capital.

Company Size (Number of Employees)

Year Established

2017

Office Locations

Layla Capital
7777 Glades Road, Suite 309, Boca Raton, FL 33434

Primary Capital Source

Own Funds
Family Offices

Alternative Capital Sources

Family Offices

Loan Structure for Majority of Loans

Own Balance Sheet

Percentage of Loans Secured by Commercial Property

50%

Percentage of Loans Secured by Residential Property

50%

Our Team

Justin S. Cooper

Founder and CEO

Maxwell R. Deibel

Partner

Contact Layla Capital

Layla Capital pays us to be listed, so there is no fee to connect with them directly.

Send email Create a Loan Request

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