Welcome to Smart Capital Funding
We are a direct real estate private money lender specializing in quick, hard money loans in West Central Florida (Tampa, Brandon, Lakeland, Winter Haven areas). Our primary objective is to provide fast and reliable source of funding for real estate investors, with a particular emphasis on income producing property.
- Loan amounts from $30,000 up to $1 million in 1st position
- Purchase, finance or rehab loans
- SFR (non-owner occupied), multifamily, and office
- No minimum FICO score. We provide capital based on real estate value.
- We can fund in as little as 7 days.
Lending Parameter Overview:
- Interest Rates: 10% – 13%
- Amortization: Interest only available
- LTV: Up to 65%
- Loan Terms: 3 month minimum up to 5 years
- Closing: 1-2 Weeks
- Loan Size: $20k to $500,000
- Credit: No Minimum Fico Score. All credit considered
Collateral Types we consider:
- SFR – 2-4 Units Residential: up to 65% LTV.
- Condos: 50% LTV. – Town Houses: up to 60% LTV.
- Apartment Buildings: up to 60%
- Multi Family Complexes: up to 60% LTV.
- Office Buildings: 60% LTV.
- LTV is based on purchase price.