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LOAN PROGRAMS

SEE OUR RATES

We offer Bridge Loans, Commercial Loans, Fix and Flip Loans Nationwide.

HIGHLIGHTS

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  • OUR LOAN AMOUNTS

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$150,000 TO $10,000,000

  • OUR TERMS

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6-24 months (longer terms considered on a case by case basis) 

  • PREPAYMENT PENALTY

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No pre-payment penalty

  • LOAN TYPES

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1st position liens for non owner occupied (noo) properties only.

  • LOAN TO VALUE (LTV)

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Up to 90% LTC or 70% of ARV

  • LOAN ORIGINATION FEES

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Varies depending on length of term

WHAT WE OFFER

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GROUND UP CONSTRUCTION PROGRAM -90% LTC*.

REHAB (NO INTEREST ON REHAB HOLDBACK) -90% LTC*.

RENTAL PROGRAM

CASH OUT & RE-FINANCE

GROUND UP CONSTRUCTION PROGRAM -90% LTC*.

  • Up to 90% LTC 70% LTARV, Not to exced 75% of the acquisition cost.
  • Up to 100% of construction
  • Rates starting at 7.99%
  • 12/18 Months Term
  • Loan extensions available
  • No Pre-Payment Penalty
  • Business Purpose Loans Only
  • Experiences developers only
  • LTV/LTC Rate and point are based on asset type, experience and market data

REHAB (NO INTEREST ON REHAB HOLDBACK) -90% LTC*.

  • Up to 90% LTC
  • Up to 100% of rehab cost, not to exceed 72.5% of ARV
  • Rates starting at 7.49%
  • 12 Months Term
  • Loan extensions available
  • No Pre-Payment Penalty
  • Business Purpose Loans Only
  • LTV/LTC Rate and point are based on asset type, experience and market data

RENTAL PROGRAM

  • Up to 75% LTV
  • Rates starting at 4.5%
  • 30 Year Term
  • Business Purpose Loans Only
  • Short term rental income permitted (Airbnb or similar service)

CASH OUT & RE-FINANCE

  • Up to 75% LTV.
  • Rates starting at 7.99%
  • 12 Months Term
  • Loan extensions available
  • No Pre-Payment Penalty
  • Business Purpose Loans Only
  • The reason for cash-out and exit strategy will be underwritten thoroughly
  • Up to 90% LTC 70% LTARV, Not to exced 75% of the acquisition cost.
  • Up to 100% of construction
  • Rates starting at 7.99%
  • 12/18 Months Term
  • Loan extensions available
  • No Pre-Payment Penalty
  • Business Purpose Loans Only
  • Experiences developers only
  • LTV/LTC Rate and point are based on asset type, experience and market data
  • Up to 90% LTC
  • Up to 100% of rehab cost, not to exceed 72.5% of ARV
  • Rates starting at 7.49%
  • 12 Months Term
  • Loan extensions available
  • No Pre-Payment Penalty
  • Business Purpose Loans Only
  • LTV/LTC Rate and point are based on asset type, experience and market data
  • Up to 75% LTV
  • Rates starting at 4.5%
  • 30 Year Term
  • Business Purpose Loans Only
  • Short term rental income permitted (Airbnb or similar service)
  • Up to 75% LTV.
  • Rates starting at 7.99%
  • 12 Months Term
  • Loan extensions available
  • No Pre-Payment Penalty
  • Business Purpose Loans Only
  • The reason for cash-out and exit strategy will be underwritten thoroughly

Fix and Flip Loan

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What is a Fix and Flip Loan?

In this day and age, as property prices continue to rise, Fix and flip projects have become a prominent form of real estate income. A fix and flip investment entails purchasing a property, renovating and repairing the property, and reselling the property for a higher price to attain a profit. So who funds these loans? Fix and flip loans are actually difficult to fund because they are usually short-term loans. That’s why rather than using conventional methods of acquiring a loan from the bank, a lot of fix and flippers choose to acquire their loans from private lenders.

Here at AJ Capital Funding, we have extensive knowledge on the real-estate industry which allows us to fund even the most difficult fix and flip deals. We offer fix and flip loans all over the U.S with rates starting a 7.49%.

We know that getting access to capital can be difficult for those involved in fix and flips. By choosing AJ Capital Funding we are able to fund your portfolio very quickly and efficiently. We also have other benefits such as no prepayment penalties, no income requirements, and minimal paperwork. This is why AJ Capital Funding is the leading private equity firm to fund your fix and flip today! Contact us now to learn more!

COMMERCIAL LOANS

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WHAT ARE COMMERCIAL LOANS?

Any property that has a commercial use can be used as collateral for a commercial loan. At AJ Capital Funding, we lend on all types of commercial property from office buildings and strip malls to large shopping centers (with or without an anchor tenant) that is located within the continental United States. We also provide rehab and construction financing on Commercial property and can easily roll a bridge loan into permanent financing.

COMMERCIAL PROPERTY TYPES

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Multifamily

Office

Do You Have Questions About Fix and Flip Financing?

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Fixing and flipping residential properties can be a lucrative business for those with an eye for profit and ready access to low-cost flip loans. If this is the first time you have investigated borrowing money to flip a house, consider these factors:

  • Is the property eligible? We offer fix and flip funding for non-owner occupied real estate nationwide, with the exceptions of property located in Alaska, North Dakota, and South Dakota.
  • How much of the property value can I finance? We offer LTV (loan-to-value ratios) of up to 90%. We finance fix and flip deals from $100,000 to more than $7,000,000.
  • Are commercial fix and flip loans available? We provide flip funding for SFR (single family residential), condominiums of 1-4 units, multifamily dwellings including townhouses, and mixed-use (residential combined with light commercial, retail, or office) property.
  • Will I qualify for a short-term real estate loan? We are happy to review your application and discuss the details of any potential flip. No proof of income is required, and foreign nationals may apply. We are excited to discuss the merits of your proposed deal and make it our business to fund as many profitable fix and flip projects as possible.

CONSTRUCTION LOAN

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AJ Capital Funding provides construction and Rehabilitation loans to investors. These loan operate as line of credit where the borrower may access those funds for construction purposes. The caveat is that these loans are only drawn when certain portion of the project is completed as it operates for construction reimbursement. The disbursement of funds is done through a fund control to ensure work has been properly performed.

NO PAYMENT ON CONSTRUCTION HOLDBACK

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No payment on construction hold back is HUGE. Imaging having to pay on money that you do not have access to. For instance if you borrow 1 million for construction portion of your project at 9%, you would have to pay $90,000 per year on monies that you did not use. Assuming if the purchase money loan is too 1 million, then you effective interest rate is 18%. At AJ Capital Funding you do not pay for construction hold back to the extend that it’s not used.

Give us a call (800) 674-0757

Monday – Friday | 9 am – 6 pm Eastern Time

AJ CAPITAL FUNDING offers business owners alternative working capital solutions through our various funding programs for business loans.

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