Invest With HB Capital

HB Capital offers tailored investment opportunities and lending solutions, including residential and commercial real estate loans and investment properties. We prioritize high returns with low risk, offering quick approvals and competitive terms for borrowers.

The Process

Meet With HB Capital Team

Book an appointment with HB Capital team and review the PPM and any questions that you may have.

Sign Documents

Sign Private Placement Memorandum, Subscription Agreement, and Investor Questionnaire.

Invest Funds

Send your selected investment amount to HB Capital Fund.

Re-Invest

Investors may re-invest if desired to compound their profits

Receive 1099

Investors will receive a 1099 at the end of the year for any interest paid

Receive Distributions

Investors will receive distributions every quarter by the 25th of the month.

Invest with HB Capital

Investments Backed by Real Property

All HB Capital loans are asset-based, meaning your investment is backed by validated secured real collateral such as residential and commercial properties

This collateral acts as principal protection in the unlikely case a borrower defaults.

Our Model is Designed to Protect Your Investment

Loan Based

All investments are structured as loans with an expected duration and return

First Position

Loans are secured in first lien position

Short-Term Focus

Targeted loan durations of 6 to 18 months

Paid Quarterly

Investors are paid automatically on or before the 25th of the the month

Our Investment Philosophy

We originate and vet all of our own deals.

We only select deals we would invest our own money in. We are co-invested in the majority of our deals.

We only select deals we would be comfortable taking the properties back in the case of a default.

We have 50+ years of real estate development, investment, and property management experience.

Our team has over 30 years of technology experience that helps to automate and streamline all aspects of the business.

We only select deals we would be comfortable taking the properties back in the case of a default.

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.

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