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Capital Funding is a direct private capital/hard money lender based in Boca Raton, Florida, USA, positioned as a fast financing partner for real estate investors. The content shows that its business is not payment acquiring or fintech payments, but residential, commercial, and construction loans centered on real estate collateral. It claims to lend nationwide, with a focus on Florida, Texas, California, and the U.S. East Coast.
Its product lineup is fairly comprehensive, including Hard Money/Bridge Loan, Commercial Bridge, Commercial Perm Loan, Small Balance Commercial, Multifamily Bridge, Fix & Flip, Rental DSCR, Primary Residence, Ground Up Construction, and Foreign National Loan. Its core selling points are speed and certainty: while traditional banks may take months, it emphasizes completing approval and closing within a shorter timeframe. For commercial bridge loans, it discloses loan sizes from $500,000 to $100 million, terms of 12/18/24/36 months, and LTV up to 75% of as-is value or 65%–70% of stabilized value. Commercial Perm Loans range from $1 million to $50 million, with term options of 3, 5, 7, 10, and 30 years.
Commercial bridge loan rates are 1 Month SOFR + 450–850 BPS, with an origination fee of 2.00%–3.50%. They are typically interest-only and may include certain prepayment restrictions. Commercial long-term loan rates start at 1 Month SOFR + 300 BPS, with an origination fee of 1.50%–3.00%. Rates for other residential and construction products are not fully disclosed in the content, so applicants need to confirm details with a loan officer before applying.
Its strengths are direct lending, broad product coverage, a wide range of loan sizes, and friendliness toward commercial real estate deals, fix-and-flip projects, and construction projects that require fast closings. Its risk control appears to lean more toward the asset itself and project cash flow, requiring materials such as rent rolls, operating statements, valuations, bank statements, and financial statements. The drawbacks are limited disclosure of regulatory license information, with only a BBB A+ Rating visible. At the same time, it is not a payment platform and does not provide payment methods, settlement, acquiring, or API capabilities.
It is suitable for U.S. real estate investors, developers, rental property owners, commercial real estate buyers, and loan brokers, especially for transactions where traditional banks cannot fund in time. It is not suitable for businesses looking for online payments, cross-border collections, or merchant acquiring services.
The content does not provide information on access from mainland China, Chinese-language service, or cross-border customer support, so its accessibility status is unknown.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on capitalfunding.com official site.
capitalfunding.com is an United States Finance provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach capitalfunding.com directly.