Why Funded Capital
Investors don't choose us because we're the only option. They choose us because we outperform every alternative on speed, transparency, and follow-through — every single time.
Our Edge
2 hrs
Term sheet turnaround
The real estate market moves fast. We move faster. Our streamlined underwriting delivers term sheets in 2 hours and closings in as little as 5 business days — so you never lose a deal to slow capital.
0
Hidden fees
We publish our rates, fees, and guidelines upfront. Your term sheet is your contract — no surprises at the closing table. We earn your trust before we earn your business.
From 6.0%
Rates starting from
Private lending doesn't have to mean predatory rates. Our institutional capital base allows us to price deals competitively while maintaining the flexibility and speed of a private lender.
1 point of contact
Throughout your loan
You'll work with the same loan officer from application to closing. They know your deal, answer your calls, and advocate for you internally. Not a call center — a real relationship.
< 2 hrs
Response time guarantee
We'll never ghost you. You'll receive regular status updates, and your loan officer is reachable by phone or email. When we need something, we ask once — not in waves.
44 states
Nationwide coverage
We lend in 44 states with a deep understanding of local markets. Whether you're investing in Miami or Minneapolis, we have the knowledge and licensing to close your deal.
Side by Side
| Funded Capital | Traditional Banks | Other Hard Money | |
|---|---|---|---|
| Term Sheet Time | 2 hours | Days to weeks | 1–3 days |
| Closing Time | 5–10 days | 30–60 days | 10–21 days |
| Income Verification | Not required (most programs) | Required | Varies |
| Entity Borrowing | Yes | Limited | Sometimes |
| Dedicated Loan Officer | Always | Rarely | Sometimes |
| Transparent Fees | Full disclosure upfront | Sometimes | Rarely |
| Credit Flexibility | 680+ preferred | 700+ required | 600+ |
Google Reviews
“Funded Capital made the process seamless. I submitted my application and had a term sheet within hours. They closed on time and kept me informed every step of the way. Highly recommend!”
Carlos M.
Real Estate Investor, Miami FL
“As a broker, finding a reliable hard money lender is everything. Funded Capital delivers every single time — fast approvals, transparent terms, and they actually answer the phone. My go-to lender.”
Sandra L.
Mortgage Broker, Miami FL
“I've done multiple deals with Funded Capital and they never disappoint. The team is professional, responsive, and the rates are competitive. Will continue to use them for all my investment properties.”
David R.
Fix & Flip Investor, South Florida
Apply today. Get a term sheet within 2 hours. No obligation, no fees.
Apply Now