Capital Funding Financial

Rehab Loan Fix and Flip Loan
Property Types	2-4 Units, Condo, Mixed use, Multi Family, SFR
Lendding Area	NATIONWIDE
Loan amount Minimum	$75,000
Loan amount Maximum	$10,000,000
Interest Rate Minimum	9.5%
Points Minimum 1st TD	1.5
Points Maximum 1st TD	2.5
Terms	1 year, 2 year
Typical Days Required to Fund	11-15 Business days
Credit Score Min	660
Interest Only or Amortized	Interest Only
Lien Position	1st
Documents needed	Application, Bank Statements - Business Account - 1 month, Driver's license, Entity documents for LLC, Corp or Trust, Lease Agreements, Purchase Contract, Rent Roll
General Pricing or Guideline info	Program Overview •Loan Amount: $75,000 – $10 Million •Term Length: 12 – 24 Months •Max LTV: 80% •Max LTC: 90% (exception based) •Amortization: Interest only •Interest Rate: Starting at 9.49% •Closing Time: 7 - 14 Days •Loan Use: Purchase, refinance, cash-out, construction, renovation Fix and Flip Loan Program A "fix and flip" loan is a short-term bridge loan used to purchase property with the intent to sell it for a profit after the renovations are complete. A fix and flip loan is a great fit in the following situations: 1. When you need to close fast (Our average time to close is 7 - 14 days!) 2. When the property needs renovations. 3. When you need high leverage (We offer up to 90% LTC) 4. When the property is not yet stabilized, leased up, or generating any income. 5. When you can't provide verifiable income (no tax returns available). 6. When you only want a short term loan with no prepayment penalty At Capital Funding Financial, our fix and flip loans close very quickly... even in as little as 7 days! Our fix and flip loans require no personal income verification and very little documentation! Our Fix and Flip loans are a great way to start leveraging your existing capital and generate more income with the ability to close & flip more projects at once! Capital Funding Financial finances both the acquisition and the renovation costs of the project. Simply bring your initial closing costs and Capital Funding Financial will fund the rest including reimbursing you for the renovation costs as the work is completed.
Updated as of	2023-11-21

Hard Money Loan Hard Money Loan Program
Property Types	2-4 Units, Automotive, Condo, Hotel, Mixed use, Multi Family, Office, Retail, Self-Storage, Senior Care - Commercial Property, Senior Care - Low Income, Senior Care - Residential Property, SFR
Lendding Area	NATIONWIDE
Loan amount Minimum	$75,000
Loan amount Maximum	$25,000,000
Interest Rate Minimum	9.5%
Points Minimum 1st TD	1.75
Points Maximum 1st TD	2.75
Terms	6 month, 1 year, 2 year, 3 year
Typical Days Required to Fund	6-10 Business days
Credit Score Min	660
Interest Only or Amortized	Interest Only
Lien Position	1st
Prepayment Penalty	No Prepayment Penalty
Documents needed	Bank Statements - Business Account - 1 month, Driver's license, Entity documents for LLC, Corp or Trust, Purchase Contract, Rent Roll
General Pricing or Guideline info	Program Overview Loan Amount: $75,000 - $25 Million Term Length: 6 - 36 months Max LTV: Up to 80% Amortization: Interest only Interest Rate: Starting at 9.49% Closing Time: 3 - 7 Days Loan Use: Purchase, refinance, cash-out, construction, renovation Pro's About Hard Money Loans: Flexibility Quick closing in 3 - 7 Days Interest-only payments Wide range of property types No Income Documentation No Minimum credit requirement What Do I Need To Qualify? Simple... Equity in the property! Origination Fee: 1.75% - 2.75% of the loan amount No Prepayment Penalty No Appraisal Necessary Under 660 Credit Up to 65% LTV Over 660 Credit Up to 80% LTV Eligible Properties for Hard Money Loans Single Family Single Family is classified as one to four-unit residential use dwellings including condominium, P.U.D., townhomes, duplex’s, triplex’s, and quadplex’s. At Capital Funding Financial, we will lend to real estate investors and entities looking to purchase, refinance, fix & flip, or buy to rent from $75,000+. Multi Family Multi-family is a classification of housing where multiple units (5+) for residential use are contained within one or more buildings within one community or complex. At Capital Funding Financial, we will lend to real estate investors looking to purchase or refinance multi-family properties with loan amounts of $250,000+. Mixed Use Mixed-use is a type of development that blends residential and commercial uses into one integrated complex or building. At Capital Funding Financial, we will lend to real estate investors in the following scenarios: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out on mixed use projects with loan amounts from $250,000+. Retail Retail is any property used for commercial retail space such as a storefront for selling goods or services. Capital Funding Financial will lend to real estate investors and business owners.
Updated as of	2023-11-20

Long Term Commercial Loan Small Balance Commercial Loan
Property Types	Automotive, Hotel, Mixed use, Multi Family, Office, Retail, Self-Storage, Senior Care - Commercial Property, Senior Care - Low Income, Senior Care - Residential Property
Lendding Area	NATIONWIDE
Loan amount Minimum	$250,000
Loan amount Maximum	$10,000,000
Interest Rate Minimum	6.5%
Points Minimum 1st TD	1.5
Points Maximum 1st TD	2.75
Terms	1 year, 2 year, 5 year, 10 year
Typical Days Required to Fund	20-30 Business days
Interest Only or Amortized	Amortized and Interest Only Options available
Fees	Legal Review
Lien Position	1st
Prepayment Penalty	1 year, 2 years, 3+ years
Documents needed	Application, Bank Statements - Business Account - 1 month, Driver's license, Entity documents for LLC, Corp or Trust, Lease Agreements, Purchase Contract, Rent Roll
Intended Occupancy	Owner Occupied Business
General Pricing or Guideline info	Program Overview •Loan Amount: $250,000 - $10 Million •Term Length: 1 YR, 2 YR, 5 YR, and 10 YR Terms •Max LTV: Up to 80% •Amortization: Interest only or Full Amortization •Interest Rate: Starting at 6.35% •Closing Time: 14 - 28 Days •Loan Use: Purchase, refinance, cash-out Small Balance Commercial Loan Program A "Small Balance Commercial Loan" is a loan on commercial real estate less than $10MM in size. These loans are backed by multifamily, mixed-use, office, retail, warehouse, light industrial, self-storage, mobile home communities and other similar property types. A small balance commercial loan is a great fit in the following situations: 1. When you cant wait on a bank to close (Close in less than 4 weeks). 2. When the property is owner occupied. 3. When the property needs minor renovation or capital improvements. 4. When you don't have great credit (below 660) 5. When you can't provide verifiable income (non recourse & recourse options). 6. When you are a Foreign National Borrower At Capital Funding Financial, our small balance commercial loans close very quickly... even in as little as 21 - 28 days! Our small balance commercial loans require very little documentation! What is a small balance commercial loan typically used for? A small balance commercial loan is a loan on multifamily, mixed-use, office, retail, warehouse, light industrial, self-storage, mobile home communities and other similar property types which is underwritten based on the income of the property in place. Small balance commercial loans can be used to finance a range of business needs, including equipment purchases, inventory financing, working capital, and real estate purchases. This can help businesses grow and expand their operations. Small balance commercial loans offer more flexible repayment terms, which can help businesses manage their cash flow more effectively.
Updated as of	2023-11-21

Long Term Rental Loan Rental Investment Loan Program
Property Types	2-4 Units, Condo, Multi Family, SFR
Lendding Area	NATIONWIDE
Loan amount Minimum	$75,000
Loan amount Maximum	$5,000,000
Interest Rate Minimum	6.5%
Points Minimum 1st TD	1.5
Points Maximum 1st TD	2.5
Terms	3 year, 5 year, 7 year, 30 year
Typical Days Required to Fund	11-15 Business days
Credit Score Min	660
Interest Only or Amortized	Amortized and Interest Only Options available
Lien Position	1st
Documents needed	Application, Bank Statements - Business Account - 1 month, Driver's license, Entity documents for LLC, Corp or Trust, Lease Agreements, Purchase Contract, Rent Roll
Intended Occupancy	Tenant
General Pricing or Guideline info	Program Overview •Loan Amount: $75,000 - $5 Million •Term Length: 30 years •Max LTV: 80% •Amortization: 30 Year Fixed and 3, 5, 7, 10 Year •Interest Only Options •Interest Rate: Starting at 6.50% •Min. Credit Requirement: 660 FICO •Closing Time: 14 Days •Loan Use: Purchase, Refinance, or Cash out Rental Investment Loan Program A "Rental Investment" loan is a long-term loan used to purchase or refinance property with the intent to hold it for at least 3+ years in order to profit from the cash flow from the property and future appreciation. A Rental Investment loan is a great fit in the following situations: 1. When the property does not need renovations. 2. When you are looking to payoff a bridge loan which was used to renovate the property. 3. When the property is stabilized, leased up, or generating any income. 4. When you want a long term financing solution on rental investment property. At Capital Funding Financial, our rental investment loans close quickly...even in as little as 10-14 days at rates starting at 6.50%! Our Rental Investment loans require no personal income verification and very little documentation!
Updated as of	2023-11-21

Construction Loan Ground Up Construction Loan
Property Types	Mixed use, Multi Family, SFR
Lendding Area	NATIONWIDE
Loan amount Minimum	$500,000
Loan amount Maximum	$150,000,000
Interest Rate Minimum	9.5%
Points Minimum 1st TD	1.5
Terms	6 month, 1 year, 2 year, 3 year
Typical Days Required to Fund	20-30 Business days
Credit Score Min	660
Interest Only or Amortized	Interest Only
Entities	Corp - Corporation, LLC - Limited Liability Corporation, Partnership, LP - Limited Partnership, Foreign Nationals
Lien Position	1st
Prepayment Penalty	No Prepayment Penalty
Intended Occupancy	Tenant, Owner Occupied Primary Residence
General Pricing or Guideline info	Program Overview •Loan Amount: $500,000 - $150 Million •Term Length: 6 - 36 months •Max LTV: Up to 75% •Max LTC: Up to 80% •Amortization: Interest only •Interest Rate: Starting at 9.49% •Closing Time: 17 Days •Loan Use: Purchase, refinance, cash-out, Construction on Entitled or Shovel Ready Land Ground Up Construction Loan Program A "Ground Up Construction" loan program is designed to provide a streamlined financing solution to build single family, multi-family, and mixed use projects which are entitled or shovel ready. A Ground Up Construction loan is a great fit in the following situations: For an experienced builder or developer who is looking to capitalize on a new project without waiting on bank financing A contractor who owns entitled or shovel ready land but needs the financing to get the project started A fix & flip project that has extensive rehab requiring vertical additions or significant horizontal additions to the property At Capital Funding Financial, our Ground Up Construction loans close very quickly... in as little as 17 days at rates starting at 9.49%!! Our construction loans require very little documentation instead the underwriting is primarily based on the risk of the project itself! Our Ground Up Construction loans are a great way to acquire property to build a single family spec home or multi-family development. Our ground up construction program provides you with the ability to close quickly by using a reliable & experienced lender as your financing partner.
Updated as of	2023-11-21

Bridge Loan Multifamily Bridge Loan
Property Types	Mixed use, Multi Family
Lendding Area	NATIONWIDE
Loan amount Minimum	$250,000
Loan amount Maximum	$25,000,000
Interest Rate Minimum	9.5%
Points Minimum 1st TD	1.5
Points Maximum 1st TD	2.75
Typical Days Required to Fund	20-30 Business days
Interest Only or Amortized	Interest Only
Lien Position	1st
Prepayment Penalty	No Prepayment Penalty
Intended Occupancy	Tenant, Vacant, Owner Occupied Business
General Pricing or Guideline info	Program Overview •Loan Amount: $250,000 - $25 Million (larger loans case by case) •Term Length: 6 - 24 months •Max LTC: 90% (Max LTC) 80% (Purchase) 75% (Refinance) 70% (Cash out) •Amortization: Interest only •Interest Rate: Starting at 9.49% •Credit Requirement: No Min FICO •Closing Time: 10 - 21 Days •Loan Use: Purchase, refinance, cash-out, construction, renovation Multifamily Bridge Loan Program A "Multifamily-Bridge loan" loan is a short-term loan used to purchase or refinance a 5+ unit apartment complex. We provide the financing solution so that you can enjoy the residual income, cash flow, and future appreciation that comes with owning an apartment complex. Our multifamily bridge loan program puts you back in the driver's seat so that you can focus on what matters… expanding your commercial real estate portfolio. A Multifamily-Bridge loan is a great fit in the following situations: When the property needs renovations. When you are in a time crunch to close quickly. When the property is not stabilized, leased up, or generating any income. At Capital Funding Financial, our Multifamily loans close very quickly... even in as little as 10-21 days starting at 9.49%! Our Multifaimily loans require no personal income verification and very little documentation.
Updated as of	2023-11-21

Long Term Commercial Loan Commercial Bridge Loan
Property Types	Agriculture, Gas Station, Hotel, Industrial, Medical Office, Mixed use, Multi Family, Office, Retail, Self-Storage
Lendding Area	NATIONWIDE
Loan amount Minimum	$250,000
Loan amount Maximum	$50,000,000
Interest Rate Minimum	8%
Points Minimum 1st TD	1.5
Terms	6 month, 1 year, 2 year, 3 year
Typical Days Required to Fund	11-15 Business days
Credit Score Min	600
Interest Only or Amortized	Interest Only
Entities	LLC - Limited Liability Corporation, Foreign Nationals
Lien Position	1st
Prepayment Penalty	No Prepayment Penalty
Documents needed	Application, Bank Statements - Business Account - 1 month, Driver's license, Entity documents for LLC, Corp or Trust, Lease Agreements, Purchase Contract, Rent Roll
General Pricing or Guideline info	Program Overview •Loan Amount: $250,000 - $50 Million •Term Length: 6 - 36 months •Max LTV: Up to 75% •Amortization: Interest only •Interest Rate: Starting at 7.99% •Closing Time: 7 - 14 Days •Loan Use: Purchase, refinance, cash-out, construction, renovation Commercial Bridge Loan Program A "Commercial Bridge" loan is a short-term loan used to purchase or refinance a property quickly in order to take advantage of a short-term opportunity, accommodate an urgent closing, or bridge the gap until permanent financing is available. A Commercial Bridge Loan is a great fit in the following situations: 1. Unique acquisition situations requiring non-conventional financing such as a foreclosure sale or REO 2. Sale & Leaseback Scenarios needing a quick closing 3. Distressed Sales, IRS Liens, Bankruptcy 4.0 Resolutions, Debt Consolidation 4. Partner Equity Buyouts 5. Mortgage Acquisitions and Discounted Mortgage Buybacks 6. Rehab & Conversion opportunities which require property stabilization before permanent financing can be obtained At Capital Funding Financial, our commercial bridge loans close quickly... in as little as 7-14 days at rates starting at 7.99%! Our commercial bridge loans require no personal income verification and very little documentation instead the underwriting is primarily based on the property itself! Our Commercial Bridge loans are a great way to purchase or refinance a commercial asset which needs a quick closing without the extensive underwriting associated with traditional bank financing. Our commercial bridge loan program provides you with the ability to close quickly by using a reliable & experienced lender as your financing partner. and very little documentation!
Updated as of	2023-11-21

Bridge Loan Foreign National Loan
Property Types	2-4 Units, Automotive, Condo, Hotel, Mixed use, Multi Family, Office, Retail, Self-Storage, Senior Care - Commercial Property, Senior Care - Low Income, Senior Care - Residential Property, SFR, Shopping Center
Lendding Area	NATIONWIDE
Loan amount Minimum	$75,000
Loan amount Maximum	$10,000,000
Interest Rate Minimum	8%
Points Minimum 1st TD	1.25
Points Maximum 1st TD	3
Terms	6 month, 1 year, 2 year, 3 year
Typical Days Required to Fund	6-10 Business days
Interest Only or Amortized	Interest Only
Entities	Foreign Nationals
Lien Position	1st
Prepayment Penalty	No Prepayment Penalty
Documents needed	Application, Bank Statements - Business Account - 1 month, Driver's license, Lease Agreements, No credit score needed, Purchase Contract, Rent Roll
General Pricing or Guideline info	Program Overview •Loan Amount: $75,000 - $10 Million •Term Length: 6 - 36 months •Max LTV: Up to 70% •Amortization: Interest only •Interest Rate: Starting at 7.99% •Closing Time: 5 - 7 Days •Loan Use: Purchase, refinance, cash-out, construction, renovation oreign National Loan Program A "foreign national" loan is a loan used to acquire or refinance a property when conventional financing is not available or will simply take too long to close. A hard money loan is a great fit in the following situations: When you need to close fast (in less than 2 weeks). When the property is not generating any income (not leased). When the property needs renovations. When you don't have great credit (below 620) When you can't provide verifiable income (no tax returns available). Foreign National Borrower At Capital Funding Financial, our Foreign National loans close very quickly... even in as little as 5 days! Our hard money loans require no personal income verification and very little documentation!
Updated as of	2023-11-21

Summary of all Guidelines

[] Program Overview Loan Amount: $75,000 - $25 Million

Term Length: 6 - 36 months

Max LTV: Up to 80%

Amortization: Interest only Interest Rate:

Starting at 9.49% Closing Time: 3 - 7 Days Loan Use: Purchase, refinance, cash-out, construction, renovation Pro's About

Hard Money Loans: Flexibility Quick closing in 3 - 7 Days Interest-only payments Wide range of property types

No Income Documentation

No Minimum credit requirement

What Do I Need To Qualify?

Equity in the property!

Origination Fee: 1.75% - 2.75% of the loan amount

No Prepayment Penalty

No Appraisal Necessary Under 660

Credit Up to 65% LTV Over 660 Credit Up to 80% LTV

Eligible Properties for Hard Money Loans Single Family Single Family is classified as one to four-unit residential use dwellings including condominium, P.U.D., townhomes, duplex’s, triplex’s, and quadplex’s.

At Capital Funding Financial, we will lend to real estate investors and entities looking to purchase, refinance, fix & flip, or buy to rent from $75,000+. Multi Family Multi-family is a classification of housing where multiple units (5+) for residential use are contained within one or more buildings within one community or complex.

At Capital Funding Financial, we will lend to real estate investors looking to purchase or refinance multi-family properties with loan amounts of $250,000+. Mixed Use Mixed-use is a type of development that blends residential and commercial uses into one integrated complex or building.

At Capital Funding Financial, we will lend to real estate investors in the following scenarios: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out on mixed use projects with loan amounts from $250,000+.

Retail Retail is any property used for commercial retail space such as a storefront for selling goods or services.

Capital Funding Financial will lend to real estate investors and business owners.

Capital Funding Financial is located in Boca Raton, FL.

These descriptions are limited information and meant for general reference purposes.