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"

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

Frequently asked questions

A short-term bridge loan is a type of financing used by real estate investors to “bridge” the gap between the purchase of a property and securing permanent financing or selling the property. These loans are typically for a short period, ranging from a few months to a year, and are often used to quickly close on a property, make necessary renovations, or secure a better financing option later on. Bridge loans are known for their flexibility and speed, allowing investors to act on opportunities that require quick funding.
The amount you can borrow with a bridge loan from HB Capital depends on the specific deal and property, but typically, we offer loans ranging from a few hundred thousand dollars up to several million. The exact amount will depend on factors such as the property’s value, the investor’s experience, and the overall project details.
The typical repayment for a bridge loan is interest-only payments for the duration of the loan term, which usually ranges from 6 to 24 months. At the end of the term, the full loan amount (the principal) is due in a lump sum. This structure provides flexibility for real estate investors by minimizing monthly payments while they work on securing long-term financing or selling the property.
The interest rate for a bridge loan from HB Capital varies depending on factors such as the property’s location, the loan amount, the investor’s experience, and the specific deal structure. Typically, interest rates for bridge loans range from 8% to 12%. We assess each deal individually to offer competitive rates based on the overall risk and opportunity presented by the investment.
At HB Capital, we understand the need for speed in real estate transactions. Typically, it takes 7 to 14 days to receive funds after submitting your loan application and providing all required documentation. However, the exact timeline can vary depending on the complexity of the deal and how quickly we can complete the underwriting and due diligence process. For especially time-sensitive deals, we work to expedite the funding process whenever possible.

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.

A short-term bridge loan is a type of financing used by real estate investors to “bridge” the gap between the purchase of a property and securing permanent financing or selling the property. These loans are typically for a short period, ranging from a few months to a year, and are often used to quickly close on a property, make necessary renovations, or secure a better financing option later on. Bridge loans are known for their flexibility and speed, allowing investors to act on opportunities that require quick funding.
The amount you can borrow with a bridge loan from HB Capital depends on the specific deal and property, but typically, we offer loans ranging from a few hundred thousand dollars up to several million. The exact amount will depend on factors such as the property’s value, the investor’s experience, and the overall project details.
The typical repayment for a bridge loan is interest-only payments for the duration of the loan term, which usually ranges from 6 to 24 months. At the end of the term, the full loan amount (the principal) is due in a lump sum. This structure provides flexibility for real estate investors by minimizing monthly payments while they work on securing long-term financing or selling the property.
The interest rate for a bridge loan from HB Capital varies depending on factors such as the property’s location, the loan amount, the investor’s experience, and the specific deal structure. Typically, interest rates for bridge loans range from 8% to 12%. We assess each deal individually to offer competitive rates based on the overall risk and opportunity presented by the investment.
At HB Capital, we understand the need for speed in real estate transactions. Typically, it takes 7 to 14 days to receive funds after submitting your loan application and providing all required documentation. However, the exact timeline can vary depending on the complexity of the deal and how quickly we can complete the underwriting and due diligence process. For especially time-sensitive deals, we work to expedite the funding process whenever possible.

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.

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