LYNK Capital

Raleigh, North Carolina

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Direct Lender for Experienced Builders & Investors

LYNK Capital is a direct private lender offering residential renovation, construction, and bridge loans. Our team has decades of construction lending experience and we’re here to help you through every stage of your project.

Property Geographic Area Details

AL, AR, CO, CT, DC, DE, FL, GA, IA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NJ, OH, PA, SC, TN, TX*, VA, WI, WV, WY

Loan Amounts

$100,000 to $10,000,000

Interest Rates

7.49% to 12%

Max Loan-To-Value

75%

Max Loan-To-Cost

90%

Origination Fees

1.75% to 3.5%

Loan Terms

12 months to 24 months

Lien Position

Loan Purpose

Investment Acquisition
Investment Refinance
Improve Subject Property
Use Equity to Invest in Another Property
Value Add Project
Development Project

Property Occupancy

Vacant
Tenant Occupied 100%

Property Types and Loan Types

Collateral Types

Residential Property

Property Types

2-4 Units Residential
Mixed-Use
Multifamily
Single Family Residence

Loan Types

Private Money
Hard Money
Residential Fix and Flip
Residential Rehab and Rent
Residential Ground-Up Construction

Purchase Loan

We offer fix and flip loans for single-unit, multi-unit, and mixed-use residential projects, up to a maximum 75% of the renovated value. We will fund rehab projects of any scope or size, provided you have the experience to complete the project. Purchases, refinances, and cash out deals are eligible.

Max Loan-To-Purchase Price

90%

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
Gap Lender
Crowdfunding
Family

Rehab Value Add Loan

Our residential renovation loans let you put down as little as 10% of the purchase price and borrow up to 100% of rehab costs. We will fund rehab projects of any scope or size, provided you have the experience to complete the project. We lend on single-unit, multi-unit, and mixed-use residential fix and flip projects, up to a maximum 75% of the renovated value. Purchases, refinances, and cash out deals are eligible.

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

75.00%

Construction Loan

Our construction loans for builders let you borrow up to 75% of the lot value (if already owned) and 100% of construction costs. For land acquisition, the Borrower will need to contribute 50% of the purchase price. We lend on single- and multi-property residential construction projects up to a max of 20 units.

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

Max LTC for Ground-Up Construction Costs

100%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

yes

Details and Requirements

Typical Closing Time (Days)

Fastest Closing Time (Days)

Works With

Brokers
Borrowers

Payment Structure

Interest Only
Interest Reserve

Payment Structure Details

Two interest payment options: Note amount & Undrawn balance (for construction loans)

Pre Payment Penalty

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

yes

Borrower Entity Types Considered

LLC
Limited Partnership
Corporation

Documentation Required

Credit Report
Bank Statements
Financial Statements
Loan Application

Personal Guaranty (Recourse) Required

Always

Credit Check Required

yes

Minimum Credit Score Required

620

Credit Check Description

While we do review credit history, it is not the primary component of our decisions, and many borrowers with damaged credit are able to be approved.

Appraisal Required for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Fees

Underwriting Fee

$0 to $0

Additional Details

*LYNK Capital, LLC operates as LYNK Investments, LLC in the state of Texas.

Residential Fix & Flip

SFR, Multifamily (up to 20 units)
Mixed-use
Non-owner occupied
Loan Amount: $100k – $5M
Max LTC: 90%
Max LTV: 75%
Rates from 7.49%
Loan terms up to 12 months

Residential New Construction

LYNK Capital will fund up to 50% of the lot acquisition costs and 100% of construction costs.

SFR, Multi-Unit (1-4)
Rates from 8.99%
Max LTV: 70%
Max LTC: 85%
Little or no money down if lot already owned
Minimum loan amount: $100,000

Multi-Unit New Construction

Are you an experienced builder who can build more – but lack the funding to do so? Tired of waiting on banks? LYNK Capital will fund 50% of the land acquisition and site development costs plus up to 100% of vertical build costs. Great for builders of small subdivisions, townhomes, or other multi-unit new construction.

Multi-Unit (up to 20 units)
Little or no money down if lot already owned
Easy draw process
Close in 10-20 days
Max LTV: 70%
Max LTC: 85%
Minimum loan amount: $100,000
Rates from 8.99%

At LYNK Capital, mortgage lending is in our blood. In fact, we have decades of experience in this business, with members of our team having either owned or held senior positions in numerous mortgage companies, banks, title companies, and other real estate businesses. We’ve also been property investors ourselves, and understand the importance of receiving fast, knowledgeable service from a lender.

Immediately prior to founding LYNK Capital, our management team operated the mortgage lending division of a mid-sized bank that consistently closed over $1.0b of loans per year. This experience has given us a firm understanding of the needs of our borrowers and investors – and has also shown us how the increasing regulatory burdens placed on banks prevents them from meeting these needs.

We founded LYNK Capital to provide a better experience for real estate investors and developers – one founded on decades of experience in real estate lending and investments.

Year Established

2013

Office Locations

7100 Six Forks Road, Raleigh, North Carolina 27615

11540 N Community House Rd Suite 200, Charlotte, North Carolina 28277

Primary Capital Source

Own Funds
Debt Fund We Manage

Alternative Capital Sources

Own Funds
Debt Fund We Manage

Loan Structure for Majority of Loans

Own Balance Sheet

Alternative Loan Structures

Own Balance Sheet

Ben Lyons

Managing Director

Jarrod Ellis

Director of Business Development

I want to personally thank the team at LYNK Capital for all of your hard work on this closing! We work with hard money lenders all of the time, and you are most certainly a stand-out!

Matthew M.

THE MCCORD LAW FIRM

As a general contractor, it can be difficult to predict workloads and keep crews busy, especially in the off-seasons. LYNK Capital showed me that investing in my own projects can be a great supplement to my contracting business - letting me keep my crews busy and making money year-round. LYNK gave me the insight and provided the financing to make it work.

Jeff T.

PRESIDENT, METROPOLITAN EXTERIORS

LYNK Capital has been a valuable lending partner through several projects - they’ve taken the time to gain an in-depth understanding of our business model and provide a financing solution that helps to grow our business. We’ve worked with several hard money lenders over the years, and LYNK Capital is by far the most flexible and responsive.

Lorcan C.

CFO, FELTRIM DEVELOPMENT

Loan Request

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how will the loan be paid off?

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