Capital at The Speed of Opportunity. We provide fast, friendly, no fuss funding for your real estate projects.
Benefits
"We provide flexible funding for both Residential & Commercial Properties Nationwide"
- Why Work With HB Capital? instead of Benefits
- Fast, flexible, friendly service closings in as little as 7 days
- Excellent service is our top priority Residential, Commercial, & Land loans
- Loan programs in over 45 states
- 50+ Yrs combined experience in real estate
Simple, No-Nonsense Approach
Customer service is our #1 priority
Fast closings in as little as a week
Can close loans in over 35 states
Commercial, Residential and Land
Over 20 years in originating loans
HB Capital leverages technology for transparency
Over 50 years of real estate development experience
It's easy to borrow from HB Capital

Apply For Loan
Origination team will reach out promptly
Borrow
Submit documents, receive term sheet, and have communication every step of the way through funding
Track Loan
Stay updated on loan payments through online portal
Commercial and Residential Loan Programs
Client Reviews
Amir Vetry
" I recently worked with HB Capital to secure a short-term cash-out equity bridge loan on one of my properties for a real estate project, and the experience was outstanding. The process was incredibly quick and straightforward, making it easy to access the funds I needed without any hassle. The team was professional, responsive, and made sure everything was handled efficiently. I highly recommend HB Capital for anyone looking for a smooth and reliable lending experience."
Kyle Newman
" I recently worked with HB Capital to secure financing for a commercial real estate project, and I couldn't be more satisfied with the experience. The team was incredibly knowledgeable and guided me through every step of the process with ease. They were quick to respond to my questions and made sure I fully understood all the terms before moving forward. The entire process was smooth, efficient, and stress-free. I highly recommend HB Capital to anyone in need of reliable and professional lending services. "
Jeremy Lawrence
Working with HB Capital was a seamless experience from start to finish. I needed a bridge loan in order to complete and stabilize a storage facility project, and they delivered exactly what I needed with impressive speed. The entire process was transparent, and the team guided me every step of the way, making it stress-free. If you're looking for a lender who is both efficient and trustworthy, HB Capital is the way to go."
Frequently asked questions
You need to be at least 18 years old, provide proof of income, have a valid ID, and possess an active bank account and active US entity.
Property Information: Details about the property you’re purchasing or refinancing, including its location, value, and current condition.
Loan Purpose: A clear explanation of how the loan will be used, such as for property acquisition, renovations, or refinancing.
Experience: While not always required, having a track record of successful real estate investments or flips is a plus.
Creditworthiness: While bridge loans are more flexible than traditional loans, we still consider your credit history, though perfect credit isn’t required.
Down Payment or Equity: Generally, you’ll need to have a down payment or sufficient equity in the property, typically ranging from 20% to 30%.
Exit Strategy: A clear exit strategy, such as refinancing with a long-term loan or selling the property, to demonstrate how you plan to repay the loan.
You need to be at least 18 years old, provide proof of income, have a valid ID, and possess an active bank account and active US entity.
Property Information: Details about the property you’re purchasing or refinancing, including its location, value, and current condition.
Loan Purpose: A clear explanation of how the loan will be used, such as for property acquisition, renovations, or refinancing.
Experience: While not always required, having a track record of successful real estate investments or flips is a plus.
Creditworthiness: While bridge loans are more flexible than traditional loans, we still consider your credit history, though perfect credit isn’t required.
Down Payment or Equity: Generally, you’ll need to have a down payment or sufficient equity in the property, typically ranging from 20% to 30%.
Exit Strategy: A clear exit strategy, such as refinancing with a long-term loan or selling the property, to demonstrate how you plan to repay the loan.
We perform a soft credit check during the application process, which won’t impact your credit score. However, a hard inquiry may be done upon finalizing the loan, which may have a minor impact.
Yes, early repayment is allowed, and in many cases, there are no prepayment penalties.
If you miss a payment, late fees may apply, and it could impact your credit score. We recommend contacting us immediately to discuss repayment options.
You can apply online through our website by filling out a simple application form. Our process is quick and secure.
Depending on your situation and eligibility, refinancing may be an option. Please contact us to discuss your options.
Yes, we prioritize your privacy and use advanced encryption to protect your data throughout the loan application and repayment process.