Georgia Direct Private Lender. Simple. Local. Responsive. 

If you’re an investor in residential real estate doing fix-and-flips or new construction or simply need a bridge loan, we are here to service your investor needs.

SkyBeam Capital keeps things simple by handling everything in-house so that we can deliver an outstanding borrower experience throughout the entire loan process with us: underwriting, draw requests and loan servicing are all conducted with excellent service. We are Georgia’s most reliable private money lender because we are responsive, experienced, and local.

  • We lend in Georgia, Alabama, Tennessee, South Carolina, North Carolina, Florida and Virginia
  • We are a direct asset-based lender
  • We don’t require appraisals
  • We fund start to finish in 48 hours
  • No prepayment penalties

Please note: We do NOT offer loans secured by owner-occupied homes or commercial real estate.

Property Geographic Area Details
GA, AL, SC, NC, TN, FL, VA
Loan Amounts
$50,000 to $2,000,000
Interest Rates
10% to 15%
Loan Terms
9 months to 12 months
Origination Fees
3% to 3%
Lien Position
1st
Collateral Types
  • Residential Property
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%

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 75%
Max LTP Multifamily: 65%
Max LTP Land: 50%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 65%
Max LTV 1st Lien Land: 50%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 65%
Max LTV 1st Lien Land: 50%
Residential Fix & Flip
Max LTP: 85%
Max LTC: 90%
Max LTARV: 70%
Residential Rehab & Hold
Max LTP: 85%
Max LTC: 90%
Max LTARV: 70%
Multifamily Value-Add
Max LTP: 70%
Max LTC: 80%
Max LTARV: 65%
Residential Construction
Max LTP Land: 50%
Max LTC: 85%
Max LTCV: 65%

From fix and flips to ground-up construction, we have the loan for you

Fix & Flip

Short-term financing for real estate investors buying, renovating, and selling or refinancing for long-term holding

Purchase or
Refinance Bridge

Short-term financing for purchases without rehab funds, or cash-out refinance of stabilized properties

Construction

Flexible financing for the acquisition and construction of ground-up projects

Transactional

Great for wholesalers looking to buy and resell property using a double closing

Property Types

  • 2-4 Units Residential
  • Multifamily
  • Residential Land
  • Single Family Residence

Loan Types

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

Specialty Loan Types

  • Land Development
  • Partner Buyout
  • Transactional Funding
  • Vacation Rental

Land Types Considered

  • Residential Land

Will Consider Land That is NOT Entitled

yes

Existing Land Improvements Required

  • Street Access

Max LTV for Land

50%

Max LTC for Land Acquisition

50%

Max Loan-to-Purchase Price

85%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Family

Experience Required

no

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

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

2

Maximum After Repair Value

70%

Development Experience Required

no

Minimum Number of Ground-Up Construction Projects Completed by Borrower

0

Max LTC for Ground-Up Construction Costs

100%

Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects

yes

Underwriting Fee

$500

Processing Fee

Application Processing Fee $495 (Paid once term sheet is issued and signed)

Documents Fee

$500

Legal Fee

per settlement company

Settlement Fee

per settlement company

Title Fee

per settlement company

Minimum Origination Fee Amount

$2,000

Fees which are mandatory for all new borrower clients

  • Underwriting Fee
  • Processing Fee
  • Documents Fee
  • Extension Fee
  • Renovation or Construction Funds Draw Fee

Fees which are paid to a third party company

  • Legal Fee
  • Settlement Fee
  • Title Fee

Details and Requirements

Typical Closing Time (Days)

7

Fastest Closing Time (Days)

2

Payment Structure
  • Interest Only
  • Interest Reserve
Payment Structure Details

Monthly

Pre Payment Penalty

no

Will lend to a foreign national

yes

Must have a US Credit Bureau profile
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Corporation
Documentation Required
  • Bank Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Minimum Credit Score Required

500

Credit Check Description

Credit score can be negatively impacted by high credit use and not a demonstrated track record of non-payment

Appraisal Required for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Contact SkyBeam Capital, LLC

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

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

We provide real-estate collateral-based loans. We have direct, local control over all of our lending. You need a responsive lender, not one with a myriad of procedures and hoops to jump through. We’re right here – where you are. No delays waiting on “corporate” to get back to you; nobody out of state making decisions that affect your business without knowing you and your market.

With years of local residential & commercial investing experience, we know what our borrowers are dealing with. We know what our borrowers need from a financial partner because we’ve been in your shoes too. We strive to make the process as easy on you as we want it for ourselves. When we commit to terms, they won’t change because we know first-hand how disruptive that can be to your investing plans.

Company Size (Number of Employees)

16

Year Established

2019

Associations

  • American Association of Private Lenders
  • National Private Lenders Association

Office Locations

3225 Cumberland Blvd SE, Suite 100, Atlanta, GA 30339

Primary Capital Source
  • Debt Fund We Manage
  • Bank Credit Line
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

5%

Percentage of Loans Secured by Residential Property

95%

Total Number of Loans Funded to Date

850

Total Loan Volume Funded to Date

$175,000,000

Contact SkyBeam Capital, LLC

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

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration

Contact This Lender

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

Contact SkyBeam Capital, LLC by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.

BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$50,000

What We Do

  • Residential and Multifamily Properties
  • Fix & Flip, Fix & Hold, Construction
  • Transactional Funding
  • Land Loans up to 50% LTV
  • Urban and Rural Locations

Not Available

  • NO 100% Financing
  • NO Commercial Properties
  • NO Owner-Occupied Homes

Send an email to SkyBeam Capital, LLC