A Unique Direct Lender for Real Estate Bridge Loans

Tower Fund Capital offers a true hard money no-doc loan program, that does not depend on credit score or financial qualification of the borrower or the property. The only qualifier is the true value of the asset that is being offered as a collateral.

  • 24 Hour Approval and 10 Day Closing
  • NO Minimum Credit Score Requirement
  • NO Tax Returns Required
  • No Income Verification Required
  • Foreclosure Bailouts
  • Bankruptcy Situations
  • Foreign Nationals

Please note: We do NOT offer rehab funds, construction, or owner-occupied home loans

Property Geographic Area Details
New York Metro Area, New Jersey, Philadelphia Metro, Connecticut, Florida
Loan Amounts
$200,000 to $50,000,000
Interest Rates
7.5% to 12%
Loan Terms
12 months to 24 months
Origination Fees
1% to 3%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 65%
Max LTP Multifamily: 65%
Max LTP Commercial: 65%
Max LTP Land: 45%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 65%
Max LTV 1st Lien Commercial: 65%
Max LTV 1st Lien Land: 45%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 65%
Max LTV 1st Lien Commercial: 65%
Max LTV 1st Lien Land: 45%

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Commercial Land
  • Condominium
  • Mixed-Use
  • Office
  • Residential Land
  • Retail
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Multifamily Bridge
  • Commercial Bridge

Specialty Loan Types

  • Bankruptcy Resolution
  • Condo Conversion
  • Foreclosure Bailout
  • Residential Non-Prime
  • Subdivisions


For a land acquisition, the borrower must have a cash down payment of at least 55%.

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


Max Loan-to-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property
  • Crowdfunding
  • Family

Underwriting Fee

Paid at closing

Legal Fee

Lender Attorney Fee $2,500

Exit Fee

Depending on Loan Structure

Appraisal Fee

Paid directly to Appraisal company

Fees which are mandatory for all new borrower clients

  • Legal Fee
  • Appraisal Fee

Fees which are paid to a third party company

  • Appraisal Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Interest Only
Pre Payment Penalty


6 months of interest payments
Will lend to a foreign national


Foreign National is Ok as long as the Entity is US Based
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


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


Credit Check Description

We have to do a credit check but we are fine with low credit scores and don't have a minimum requirement

Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property


Additional Details

If an appraisal has already been done recently, we will require the appraiser to transfer/assign it to us.

Tower Fund Capital Testimonials

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Tower Fund Capital owns and operates private equity funds engaged in business of providing asset-based debt solutions for real estate industry. With 35 years of experience in real estate, banking, investments, acquisitions, financing, debt restructuring and workouts. We pride ourselves in finding a solution to any situation, and under any circumstances. Our relationships are built on trust and integrity as well the humility and understanding.

  • MORALITY – We have equal moral obligations, as well as commercial ones
  • INTEGRITY – Dealing in fairness and honesty, and abiding by our word
  • ETHICS – Commitment to sound and ethical business practices
  • POSITIVENESS – A positive and enthusiastic approach will naturally work smarter and achieve more!
  • INNOVATION – New tools, ideas, networking & education in finance as well as legal initiatives
  • PARTNERSHIP – Building relationships & creating strategic partnerships for everyone’s equable benefit

Tower Fund Capital Highlights

  • 36+ Years in Business
  • 10,000+ Loans Funded
  • $8.5B+ Managed Loans

Our relationships are built on trust and integrity as well as humility and understanding of all situations.

Company Size (Number of Employees)


Year Established



  • MBA of NY
  • AAPL

Office Locations

1325 Avenue of the Americas, 28th Floor, New York, New York 10019

Primary Capital Source
  • Own Funds
  • Individual Investors
  • Bank Credit Line
  • Private Equity Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Our Team

Ed Gitlin


Gabe Gerbi, Esq.

Of Counsil, Closings

Thomas Wolinetz

IC, Corporate SEC Compliance

Gene Ayzenberg

Director of Asset Lending

Lera Khozhieva

Transaction Management

Contact Tower Fund Capital

Tower Fund 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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Our Minimum Loan Amount Is


What We Do

  • Fast Bridge Loans up to 65% LTV
  • 35% Cash Required for Purchases
  • Can Use Other Properties as Collateral
  • Foreclosure or Bankruptcy Bailouts
  • Low Credit Scores Accepted
  • Urban Land Loans up to 45% LTV

Not Available

  • NO 100% Financing, or more than 65%
  • NO Rehab Funds Provided
  • NO Ground-Up Construction Loans
  • NO Owner-Occupied Homes

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