Triumph Capital Partners is a direct private/hard money lender for residential real estate investors in 40+ states. We have a fluid approach which is fast and easy. We make it happen with no hassle and our team of experts will help you throughout the process. In 1 business day, you’ll have an approval. We can fund your loan in 7 days or less.

Property Geographic Area Details

We lend in 42 of 50 states, except AK, NV, ND, SD, OR, VT, MN, ID.

Loan Amounts

$100,000 to $5,000,000

Interest Rates

7.99% to 11.99%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1% to 4%

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
  • Invest in a Business
  • Business Working Capital
  • 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
  • Condominium
  • Multifamily
  • Portfolio of Residential Properties
  • Residential Land
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent

Specialty Loan Types

  • Condo Conversion
  • Partner Buyout

Land Loan

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


Purchase Loan

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
  • Family

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw


Maximum After Repair Value


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Interest Reserve

Payment Structure Details

All of our loans are structured as interest only.

Pre Payment Penalty


3-month minimum interest reserve requirement on most programs. Example #1: If loan is paid off at month 4 there is no prepay. Example #2: If loan is paid off at month 2 there is a remaining 1 month worth of interest to be paid.

Will lend to a foreign national


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
  • Trust
  • Corporation
  • Non-Profit Corporation

Documentation Required

  • Credit Report
  • Bank Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


Appraisal Required for Residential Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property



Processing Fee

Renovation Construction Draw Fee

$250 per draw

Minimum Origination Fee Amount


Fees which are mandatory for all new borrower clients

  • Processing Fee
  • Appraisal Fee
  • Renovation or Construction Funds Draw Fee

Fees which are charged upfront prior to loan closing

  • Appraisal Fee

Fees which are paid to a third party company

  • Legal Fee
  • Settlement Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Renovation or Construction Funds Draw Fee

Legal Disclaimer

Triumph Capital Partners, LLC. Arizona Mortgage Broker License # BK0937202. All loans are made or arranged pursuant to a California Finance Lenders Law license (Triumph Capital Partners, LLC, CFL License No. 60DBO-72340). 155 South Highway 101 Suite #7 Solana Beach CA 92075. Triumph Capital Partners, LLC makes and acquires business purpose loans only and does not originate or acquire owner-occupied residential mortgage loans. Information, rates, and pricing are subject to change without prior notice. All loans are subject to borrowers and underlying collateral meeting Triumph Capital Partners, LLC’s then-current underwriting criteria. Other restrictions apply.

Triumph Capital Partners is a private/direct lender that finances residential real estate investors. Founded in 2016 the partners have been in the private money space for over a decade. Triumph Capital provides some of the most attractive real estate programs in the industry and with our closing times in 5-7 business days our speed and efficiency separates us from the competition.
We are a direct lender and have our own funds which allows flexible financing and an array of products to the real estate investor.

Triumph recently formed a Joint Venture with Brixton Capital, a San Diego based real estate investor and operator. Brixton’s portfolio totals 10M+ square feet and is valued in excess of $1.4 billion. Triumph’s mission is to provide investors with attractive current income opportunities while providing liquidity in the private money marketplace.


CFL #60DBO-72340

Year Established


Office Locations

155 South Highwy 101, Suite #7, Solana Beach, California 92075

Primary Capital Source

  • Own Funds

Alternative Capital Sources

  • Bank Credit Line
  • Private Equity Funds

Loan Structure for Majority of Loans

  • Own Balance Sheet
  • One Investor One Loan

Alternative Loan Structures

  • Table Funding with Capital Partner
  • LLC Syndicated Investors
  • Table Funding with Bank

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Note Investing

Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Paul Shaughnessy

Senior Account Executive

$40m+ funded in 2018

George Flint

Co-Founder & Co-CEO

George spearheads the execution of the company’s loan origination strategy and is responsible for growing and managing Triumph’s Correspondent Division. Since 2003, he has amassed a deep expertise in real estate finance, real estate development & construction management - all of which combined contribute to the success of Triumph’s platform. George received his BS in Financial Services and Economics and MSBA in Finance from San Diego State University.

License Information
CA DRE Broker License - 01401830

Oliver Austria

Co-Founder & Co-CEO

Oliver is responsible for leading the overall strategy for Triumph. Since 2001, he has held key management roles within the mortgage origination, residential redevelopment, and private lending spaces. As a private lender, he has overseen more than $500M in Fix & Flip & Bridge loan originations. Having spent many years as a real estate investor in both the lender and borrower capacity, Oliver has a unique perspective that is critical in growing the firm’s platform while maintaining exceptional risk management. Oliver graduated with a degree in Business Administration with a concentration in Finance and Economics from Boston University.

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.

Photo Link

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