Private Money Lender
Providing Capital For America's Real Estate Investors & Business Owners
Private Money Lender
Providing Capital For America's Real Estate Investors & Business Owners
Business Capital Lending
Private Money Lender
Welcome to Business Capital Lending: Your Trusted Partner for Private Money Loans
At Business Capital Lending, we have been working with real estate investors and business owners for over 20 years, providing them with private money loans for their single-family, multi-family, and commercial investment properties. Our commitment to excellence and our national reach make us the ideal choice for investors seeking hassle-free and flexible financing solutions.
Whether you are a seasoned investor looking to expand your portfolio or a newcomer to the real estate market, or a business owner needing to expand or operate your business, we are here to help you achieve your financial goals. Our team of experts specializes in structuring customized loans that suit your unique needs, with quick approvals and competitive rates.
Explore our website to learn more about our services and how we can partner with you to make your real estate investment or business dreams a reality!
We work with the following types of real estate and offer these types of investment loans:
- Single Family
- Multi-Family
- Commercial
- Purchase Rent Ready (100% Loans)
- Purchase & Rehab (100% Loans)
- Refinance
- Cash Out
- Asset Based
We offer the following types of business loans:
- Revenue Based Loans
- Preferred Funding
- Instant Micro Funding
- Line of Credit
- Equipment Loans
- Small Business Loans
- Business Line of Credit
- Working Capital
- Expansion Capital
- Gig Loans
- Debt Consolidation
Business Capital Lending
Who We Are
Business Capital Lending is a leading provider of private money loans for real estate investors and business owners across the country. With over two decades of experience in the industry, we have built a reputation for reliability, transparency, and personalized service.
Our team comprises seasoned professionals who understand the intricacies of real estate financing and the challenges of business owners and have the expertise to structure loans that align with your company objectives. We are dedicated to helping our clients succeed by providing them with the capital they need to grow their portfolios and maximize their business returns.
At Business Capital Lending, we prioritize integrity, customer satisfaction, and efficiency in all our interactions. We are committed to fostering long-term relationships with our clients, serving as their trusted partners in their real estate investment and business journey.
RE Investment Loans From $100K to $20 Million
Property Types Financed
Property Types Financed
Property Types Financed
- SFR 1-4 Units
- Multifamily 1-500 Units (Different Loan Programs Based on Unit Count)
- Mixed Use
- Commercial
- Storage Facilities
Ground Up Construction
Property Types Financed
Property Types Financed
- Single Family (1-4 Units)
- Multifamily and Developments
- Up to 90% Loan To Cost (LTC)
- Up to 70% of ARV
- Land + Horizontal (Infrastructure) Loans Available
- Based on FICO Score & Experience
Rental / Landlord
Property Types Financed
Land Development 7 Infrastructure
- Up to 80% Loan To Value (LTV)
- Rates Starting at 6.25%
- Purchase, Refi, and Cash Out
- 30 Year PITI Fixed Interest Rate
- FICO 660 Minimum
- DSCR 1.0 Minimum
- $75K Min to $2M Max Loan Amount
- No Income Verification
- LTV based on FICO Score and Experience
Land Development 7 Infrastructure
Land Development 7 Infrastructure
Land Development 7 Infrastructure
- Up to 80% of Purchase Price
- 100% of Budget
- Up to 70% ARV
- No Tax Returns
- No Income Verification
- No Prepayment Penalty- lnhc
Multifamily
Land Development 7 Infrastructure
Fix N Flip Advanced Draw
- Short Term Fix and Flip Bridge Loans
- Up to 75% of Purchase Price
- 100% of Rehab Funds
- Up to 70% of ARV
- No Income Verification
- No Prepayment Penalty
- Stabilized Long Term
- 30 Year Fixed Rate Loans
Fix N Flip Advanced Draw
Land Development 7 Infrastructure
Fix N Flip Advanced Draw
- Up to 90% of the purchase price
- 100% of Rehab
- Up to 75% ARV
- All mortgage payments rolled in (Not to exceed 75% ARV), so NO PAYMENTS DURING TERM OF LOAN.
- Rehab Budget funded in Advance
- Draw Request Funded in 24 Hours
- No Physical Inspections
- Only Applies for 1-4 Units SFR Fix and Flip (Not New Construction) lnhc
100% LOAN PROGRAM FOR RENTAL & REHAB PROPERTIES!
Additional Information
- Lending in 18 States: AL, CT, DE, FL, GA, IN, KY, MA, MD, MO, NC, NJ, OH, PA, SC, TN, TX, VA
- Populated metropolitan areas only
- No rural locations or towns far from metro areas
- Not currently lending in Cleveland and Baltimore
- No down payment required
- Loan Amounts: $100,000 to $1,000,000
- After-Repair Value: up to 75% for borrowers with experience and excellent credit
- Up to 65% loan-to-after-repair value for borrowers with little to no experience
- Most loans are capped at 70% of the after-repair value
- Minimum FICO score: 650
- Loan Term: 9 to 12 months, with 3-month extension option
- No prepayment penalties
- Interest Rates: 11.25% to 12.75%
- Closing Costs: 2-3% of the loan amount for origination fee, processing / underwriting fee, title and settlement fees.
- Liquidity Requirements: Borrowers must show liquidity of at least 25% of the rehab budget plus closing costs, which can be sourced from savings, liquid investments, or lines of credit.
- A line of credit is available to qualified investors needing additional capital to meet the liquidity requirements for this 100% loan program. Contact us today to discuss.
- Experience not required but inexperienced borrowers must have good credit and additional liquidity
- Exit Strategy: Flip or Rent
Project Types and Underwriting
- BCL supports both fix-and-flip and buy-and-hold projects, with a portfolio currently split evenly between the two.
- Rehab budget cannot be more than 100% of the purchase price.
- New investors are encouraged to start with smaller projects to build experience.
- Large-scale or highly complex rehabs typically require vetting of contractors and additional scrutiny.
- Ground-up construction loans are also available with specific conditions, including a 90% loan-to-cost ratio and a mandatory contractor review.
Rehab Draws
- Draw requests are issued in arrears, based on completed work inspected and verified by a third party inspection company
- Borrower must have enough funds to cover the first phase of the rehab project
- Draws are paid typically 24 hours after the inspection is reviewed gfr
APPLY HERE: https://tinyurl.com/2h6enzrz
Private Business Loans From $2,000 to $2 Million Same Day Approval & Funding
Funded Loans & Testimonials
Our Mission
Recently Funded Real Estate Investment Loans
Recently Funded Real Estate Investment Loans
"At Business Capital Lending, our mission is to empower real estate investors and business owners by providing efficient, flexible, and tailored private money loans. We are dedicated to helping our clients achieve their investment and business growth goals through innovative financial solutions, personalized service, and unwavering suppo
"At Business Capital Lending, our mission is to empower real estate investors and business owners by providing efficient, flexible, and tailored private money loans. We are dedicated to helping our clients achieve their investment and business growth goals through innovative financial solutions, personalized service, and unwavering support. At the heart of our business is a commitment to fostering success and prosperity within the real estate and business communities we serve."
Offering the following types of loans for business owners:
Recently Funded Real Estate Investment Loans
Recently Funded Real Estate Investment Loans
Recently Funded Real Estate Investment Loans
1. Single-Family Home in Los Angeles, CA
Loan Amount: $500,000
Term: 12 months
Rate: 8%
Funds Used for: Renovation and Flipping
2. Multi-Family Property in Chicago, IL
Loan Amount: $1,200,000
Term: 24 months
Rate: 7.5%
Funds Used for: Acquisition and Repositioning
3. Commercial Building in Miami, FL
Loan Amount: $2,500,000
Term: 36 mon
1. Single-Family Home in Los Angeles, CA
Loan Amount: $500,000
Term: 12 months
Rate: 8%
Funds Used for: Renovation and Flipping
2. Multi-Family Property in Chicago, IL
Loan Amount: $1,200,000
Term: 24 months
Rate: 7.5%
Funds Used for: Acquisition and Repositioning
3. Commercial Building in Miami, FL
Loan Amount: $2,500,000
Term: 36 months
Rate: 7%
Funds Used for: Development Project
4. SFR in San Antonio, Texas
Cash Out Refinance
30 Years
Loan Amount: $178,400
As Is Value: $260,000
5. SFR in Dallas, Texas
Cash Out Refinance
30 Years
Loan Amount: $186,750
As Is Value; $249,000
6. SFR inWashington, D.C.
Cash Out Refinance
30 Years
Loan Amount: $387,450
As Is Value: $553,500
7. SFR-Durham, NC
Fix N Flip
12 Months
Loan Amount: $340,999
ARV: $455,000
8. MF-Yorkville, New York
Cash Out Refinance
12 Months
Loan Amount: $532,565
ARV: $1,200,000
9. SFR- Durham, NC
Fix N Flip
12 Months
Loan Amount: $236,250
ARV: $240,000
"Testimonial"
Recently Funded Real Estate Investment Loans
"Testimonial"
We are so excited to give a shout out to Business Capital Lending. We are a small florist located in Texas and needed financial help to hire new people for our growing business. The loan process was easy and our options were explained in detail and we took advantage of the much needed expansion money loan. We will be using your services again in the future.
Rebecca M.
"Testimonial"
"Testimonial"
"Testimonial"
Our business is manufacturing boxes of all sizes and we were in need of expansion capital to increase our warehouse space. Business Capital Lending came through with the funds we needed and the process was extremely quick.
Barry T.
"Testimonial"
"Testimonial"
"Testimonial"
We weren't sure if Business Capital Lending would give us a business loan based on our type of craft beer operation but we felt relieved after speaking with Mr. Hagood. We completed the short application and was approved the same day and got our money deposited the next day. Wow, we were blown away at the efficiency and quick turn around. Kudos to Business Capital Lending
Kathy G.
"Testimonial"
"Testimonial"
"Testimonial"
We are a local health clinic in the Atlanta, Georgia area and were in need of additional funding to handle the tremendous increase in new patients for the area we chose to do business in. We needed immediate help in bringing on nurses and other medical staff to handle the increase in business so we applied to Business Capital Lending and got the expansion capital we needed. Thank you.
Owner & President
Rick Hagood / President / Private Money Lender & David Allen Capital Agency Owner
Rick Hagood is a seasoned professional with 40 years of experience in the private money lending industry. Throughout his career, he has demonstrated expertise in various aspects of private money lending, including underwriting, risk assessment, and client relationship management. Rick's extensive experience has equipped him with valuable insights and a deep understanding of the industry dynamics. His commitment to excellence and customer satisfaction has earned him a stellar reputation among clients and peers alike.
