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
  • Mezzanine

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% to 3%

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

no

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

no

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

0

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

5

Maximum After Repair Value

75.00%

Fees which are mandatory for all new borrower clients

  • Due Diligence Fee

Details and Requirements

Typical Closing Time (Days)

21

Fastest Closing Time (Days)

10

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

no

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

no

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.

Get In Touch

Layla 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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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)

3

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

Get In Touch

Layla 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

$150,000

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