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"Working with SCapital feels like working with an extension of our own firm. They bring institutional-grade sophistication to private lending, balancing clear communication with flawless execution. They don't just broker loans; they structure winning scenarios."
Marcus T., Managing Partner & Wholesaler
We fund your real estate dreams!
Fast private lending across the U.S. for fix & flip, rentals, new construction & commercial deals. Flexible terms.
Funding $50K–$150M
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About us
Our philosophy
We aim to be the go‑to partner for all your capital needs.
As a direct private lender, we offer Fix & Flip, DSCR rental, purchase, refinance, bridge, portfolio, and ground‑up construction financing for non‑owner‑occupied residential, multifamily, mixed‑use, and commercial investment properties across the country.
Closings can happen in as little as 48-72 hours.
Our loan programs range from $50,000 to over $50 million. Whether you need immediate funding or long‑term capital, we structure solutions that fit your goals.
Beyond real estate, we also provide access to business financing, personal loans, auto loans, primary home purchase and refinance options, as well as lending for rural properties.
Whatever the scenario, we work to deliver a funding path that gets you to the finish line.
Our Programs
Fix & flip/Rehab Bridge loans
We offer short term Fix and Flip loan products that can be funded in as little as 48 hours, sometimes with no appraisal needed. Terms can range from 6-18 months and for qualified borrowers we have programs that allow for up to 100% financing!
DSCR loans
We provide hassle-free DSCR loan products for real estate investors, allowing them to qualify based on rental income rather than personal income, making it easier to scale their investment portfolio.
Ground Up Constructions loans
Whether you’re building from the ground up or completing a major development, we offer tailored construction loan products with competitive rates and structured draws to keep your project on track.
Commercial loans
Multifamily, Mix-use, Warehouses, Retail, Gas Stations, Churches..
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Fix and Flip / Bridge
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DSCR Loans
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Ground up construction
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Commercial Loaans
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How to get started?
- Apply for funding
- Speak with a loan officer
- Receive a loan estimate/term sheet
- Appraisal, if needed
- Closing
A few words from our clients
"When we needed to secure financing for an 18-unit multifamily acquisition, SCapital delivered where traditional banks couldn't. Their team understands the nuances of asset-based lending, providing competitive terms and closing the deal seamlessly. They are our go-to partner for scaling our portfolio."
David K., Multifamily Operator"Working with SCapital feels like working with an extension of our own firm. They bring institutional-grade sophistication to private lending, balancing clear communication with flawless execution. They don't just broker loans; they structure winning scenarios."
Marcus T., Managing Partner & Wholesaler
We'll help you get the financing you need Now!
