Creative, reliable & timely financing solutions

Our Loan Process

Concentric Capital understands what real estate investors need to succeed in today’s competitive marketplace. Concentric Capital is focused on keeping the loan process simple for all clients. Loans are always processed in a timely manner to ensure funds are released as soon as possible.

01.

Application

Borrower submits loan application

02.

Letter Of Intent

Concentric Capital reviews and issues preliminary terms

03.

Processing

Borrower signs LOI and submits additional documentation

04.

Underwriting

Concentric Capital completes analysis & underwriting

05.

Clear to Close

Concentric Capital collects final closing documents from Borrower and confirms loan

06.

Closing

Loan closes and funds are released

Renovation Loans

This loan product is a great short-term financing solution for investors looking to purchase and rehab a property in disrepair, with the ultimate objective to sell or refinance upon completion.

Property Types: Single Family, Condo & Townhouse, 2-4 Units, Multifamily, Commercial

Loan Amounts of $100,000 – $5,000,000
12-month loan term
600+ Credit Score
Up to 90% Loan to Cost

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Bridge Loans

Our bridge loan program is a great short-term financing solution for investors looking for additional time to stabilize a property for an upcoming refinance or sale.

Property Types: Multifamily, Mixed Use, Retail, Office, Light Industrial & Investment (1-20 Units)

Loan Amounts of $100,000 – $5,000,000
12-18 month loan term
600+ Credit Score
Debt Coverage minimum of 1.20X
Ability to refinance into small balance commercial program

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FAQs

Private lenders provide investors flexibility and creative structures that traditional financing cannot offer. Additionally, private lenders can analyze and fund loans much faster than traditional financing without a drawn-out, cumbersome process. All underwriting and appraising is done in house, in a timely fashion.

Concentric Capital will lend up to 80% of the total cost of a renovation project. The total cost represents the purchase price and the rehab costs associated with the project. The Loan to cost must be no higher than 70% of the After-Repair-Value (ARV) of the property, or “as built” value.

Concentric Capital’s loans are commercial transactions, so they are generally not for individuals. Our loans are geared towards real estate investment and development companies.

Concentric Capital Group will evaluate proof of funds on a case by case basis. If the property is within Concentric Capital’s lending criteria and a fully completed loan application is submitted. Concentric Capital does not provide blanket proof of funds. Additionally, Concentric Capital can only evaluate deals that are under contract.

Work With Us

Concentric Capital Group is a private lending and investment firm that provides creative financing solutions to local real estate investors, operators, and developers across the country.