Direct Balance-Sheet Lender for Investment Real Estate in the Southeast

Southeast Bridge Capital is a direct, small balance real estate lending platform covering the Southeast markets and is a wholly owned subsidiary of a $400 million debt fund that has been in business since 2010.

  • Commercial bridge and construction loans on most major asset classes
  • Residential Construction and Fix-and-flip loans
  • Loans from $250k – $2mm (can go above $2mm as needed)
  • Asset-based lender (BK’s / bad credit not an issue)
  • Direct, balance sheet lender and service our own loans
  • Mortgage brokers protected
Property Geographic Area Details
NC, SC, TN, VA, GA
Loan Amounts
$250,000 to $2,000,000
Interest Rates
10% to 15%
Loan Terms
6 months to 24 months
Origination Fees
2% to 5%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Business Working Capital
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 75%
Max LTP Multifamily: 75%
Max LTP Commercial: 70%
Max LTP Land: 60%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 70%
Max LTV 1st Lien Multifamily: 70%
Max LTV 1st Lien Commercial: 65%
Max LTV 1st Lien Land: 55%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 65%
Max LTV 1st Lien Commercial: 60%
Residential Fix & Flip
Max LTP: 80%
Max LTC: 100%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 80%
Max LTC: 100%
Max LTARV: 70%
Multifamily Value-Add
Max LTP: 80%
Max LTC: 100%
Max LTARV: 75%
Commercial Value-Add
Max LTP: 80%
Max LTC: 100%
Max LTARV: 70%
Residential Construction
Max LTP Land: 60%
Max LTC: 90%
Max LTCV: 75%
Multifamily Construction
Max LTP Land: 60%
Max LTC: 90%
Max LTCV: 75%
Commercial Construction
Max LTP Land: 60%
Max LTC: 90%
Max LTCV: 70%

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Commercial Land
  • Condominium
  • Equestrian
  • Gas Station
  • Gym
  • Healthcare
  • Hospital
  • Industrial
  • Manufactured Home
  • Mixed-Use
  • Mobile Home
  • Mobile Home Park
  • Multifamily
  • Office
  • Parking Garage
  • Parking Lot
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Ranch
  • Residential Land
  • Retail
  • Senior Housing
  • Single Family Residence
  • Storage Facility
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Commercial Bridge
  • Commercial Property Value Add
  • Commercial Ground-Up Construction

Specialty Loan Types

  • Land Development
  • Subdivisions
  • Vacation Rental

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Covered Land

Will Consider Land That is NOT Entitled

no

Max LTV for Land

60%

Max LTC for Land Acquisition

55%

Junior Lien Types

  • Mezzanine
  • Preferred Equity

Max Loan-to-Purchase Price

80%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

no

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

2

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

75%
We will consider horizontal development in addition to vertical construction.

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

2

Max LTC for Ground-Up Construction Costs

10%

Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects

yes

Will Lend on a Portfolio of Properties

Yes

Deposit Required

Varies loan to loan

Site Visit Fee

Varies depending on distance and loan

Due Diligence Fee

Varies depending on legal / 3rd party estimate

Underwriting Fee

Varies depending on complexity

Documents Fee

Varies depending on deal complexity

Legal Fee

Varies depending on deal complexity

Renovation Construction Draw Fee

$Varies depending construction type and location

Fees which are mandatory for all new borrower clients

  • Deposit

Fees which are paid to a third party company

  • Legal Fee
  • Settlement Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee
  • Background Check Fee
  • Environmental Report Fee
  • Renovation or Construction Funds Draw Fee

Details and Requirements

Typical Closing Time (Days)

21

Fastest Closing Time (Days)

5

Payment Structure
  • Interest Only
  • Interest Reserve
Payment Structure Details

Typically interest only. Some loans may include an interest reserve

Pre Payment Penalty

yes

Pre-pay penalty will vary from loan to loan but is typically no less than six months
Will lend to a foreign national

no

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
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Personal Guaranty (Recourse) Required
Sometimes
Will vary loan to loan
Credit Check Required

no

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Contact Southeast Bridge Capital

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

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Southeast Bridge Capital (“SBC”) is a dedicated small balance ($250,000 to $2,000,000) real estate lending platform covering the Southeast markets. The firm is a wholly owned subsidiary of a $400 million debt fund headquartered in Charlotte, NC.

SBC differentiates itself in the small loan lending space in the following important ways:

Direct lender – SBC is a direct lender, not a broker. Unlike many hard money lenders that are truly brokers; SBC will never show your transaction to another lender, and is fully capitalized to quote and close all transactions that it quotes.

Experienced professionals – Small balance loans can be just as complex as larger transactions. Our origination staff has, on average, over 25 years lending, investing, or asset managing real estate transactions. When you get a quote from SBC; you can be assured that the transaction is vetted by experience staff that live and work in the Southeast markets.

Originate & service our own loans – Another important fact is that SBC originates and services its own loans. You will work with staff members to close your transaction and, just as importantly, we keep all of our loans and will be available to you for all your servicing and post-closing needs.

Part of a bigger platform – SBC is unique in that it is part of a larger real estate lending platform. SBC can originate larger transactions, or multiple transactions with the same borrower; without capital problems.

10+ year track record of integrity in the small balance space – The principals at SBC have been originating loans in the small balance segment for over ten years, and have a track record of both closing transactions as quoted and treating customers fairly. We take pride in differentiating our platform and process from much of the stereotypical issues that are commonplace in the hard money lending world. In the small balance arena, getting a reliable quote from people you trust is the most important choice you will make.

Company Size (Number of Employees)

11

Year Established

2023

Office Locations

PO Box 11065, Charlotte, North Carolina 28220

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

75%

Percentage of Loans Secured by Residential Property

25%

Contact Southeast Bridge Capital

Southeast Bridge Capital 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
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BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$250,000

What We Do

  • Bridge Loans (CRE and Residential)
  • Fix-and-flip Loans
  • Land Loans (entitled land only)
  • Land Development
  • Ground-Up Construction Loans

Not Available

  • NO Owner-occupied residential
  • NO Consumer Loans
  • NO 100% Financing
  • NO Cannabis-Use Properties

Send an email to Southeast Bridge Capital