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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
- 1st
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
Max Loan-To-Purchase Price
90%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed 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
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
2Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
5Maximum After Repair Value
75.00%Construction Loan
Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
3Max LTC for Ground-Up Construction Costs
100%Interest Charged for Construction Costs
Only on Funds DrawnWill Lend on Partially Completed Construction Projects
yesDetails and Requirements
Typical Closing Time (Days)
10Fastest Closing Time (Days)
5Works 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
no
Will lend to a foreign national
yes
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage
yesWill Consider Collateralizing Multiple Properties in One Loan
yesWill 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
AlwaysCredit Check Required
yesMinimum Credit Score Required
620Credit 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
AlwaysBroker Price Opinion (BPO) Accepted for Residential Property
NeverFees
Underwriting Fee
$0 to $0
Additional Details
*LYNK Capital, LLC operates as LYNK Investments, LLC in the state of Texas.
Residential Fix & Flip
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. Highlights include:
- 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 2761511540 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
Our Minimum Loan Amount Is
$100,000
What We Do
- Residential & Multifamily Properties only
- Rehab & New Construction Loans
- 10-15% Cash Required for Rehab Purchase
- 50% Cash Required for Land Acquisition
Not Available
- NO 100% Financing
- NO Inexperienced Investors
- NO Owner-Occupied Homes
- NO Rural Properties