Pepe/Berard Capital, LLC
Pepe/Berard Capital, LLC, based in New Rochelle, New York, is a private lender specializing in tailored financing solutions for real estate investors in the Northeast. They offer bridge and fix-and-flip loans, with funding up to $5 million and flexible credit requirements, focusing on commercial and residential properties.
Common Loan Scenarios
- Residential Investment Properties
- CRE and Multifamily Properties
- Purchase or Refi Bridge Loans
- Fix and Flip (or Hold)
- SFR Construction Loans
Scenarios Not Considered
- Rural Locations
- Land Loans
- 100% Financing
- Owner-Occupied Homes
- Automotive Properties
- 2nd Mortgages or Gap Funding
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Residential Rehab & Hold
Residential Construction
Property Types
- 2-4 Units Residential
- Commercial Condominium
- Condominium
- Industrial
- Mixed-Use
- Multifamily
- Office
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- Retail
- Single Family Residence
- Student Housing
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
- Multifamily Bridge
- Multifamily Rehab
- Commercial Bridge
Specialty Loan Types
- Luxury Homes
- Vacation Rental
Processing Fee
$1,200 - $1,500
Minimum Origination Fee Amount
$7,000
Fees which are mandatory for all new borrower clients
- Processing Fee
- Extension Fee
Fees which are paid to a third party company
- Legal Fee
- Settlement Fee
- Appraisal Fee
- Title Fee
Direct Private Lender for Northeast Real Estate Investors
At Pepe/Berard Capital, we combine boutique-level service with institutional expertise to deliver tailored private lending solutions for real estate investors in New York City and surrounding metro areas. Our hands-on approach ensures seamless support from the initial meeting to a successful outcome, earning us a high rate of repeat borrowers and client referrals. With a commitment to excellence and financial sophistication, we provide the funding prowess you need—backed by trust, experience, and results.
- Bridge Loans for commercial, multifamily and residential investment properties
- Fix and Flip loans up to 70% ARV
- Rehab and Hold loans up to 65% ARV
- Ground-Up Construction up to 70% completed value
- Poor Credit History considered (no minimum FICO score)
- Loan term up to 3 years
Please note: We do NOT lend on land, rural locations, owner-occupied homes, or specialty commercial properties.
Pepe/Berard Capital, LLC’s Lending Activity
Data Provided By Elementix
12mo Loan Volume
$8,515,000
12mo Loan Count
3
Total Loan Volume
$37,266,243
Average Loan Size
$503,598
Pepe/Berard Capital is a boutique real estate direct lender and investment firm co-founded by William Pepe and Ralph Berardi, Jr. in 2013. The principals have over 60 years of combined experience in real estate lending, investments and management. The firm was founded to pursue small to middle market real estate opportunities within the New York Metropolitan area and beyond.
Each member of the Pepe/Berard team has over 30 years of commercial real estate experience.
Office Locations
Our Team
William Pepe
Principal
Ralph J. Berardi, Jr.
Principal
Stephanie Pierce
SVP
Our minimum loan amount is $250,000