Capital Three Sixty positions itself as a direct real estate lender, primarily serving investors, developers, and business owners involved in U.S. residential investment properties and commercial real estate. It is not a payment acquiring service, wallet, or cross-border payments platform. Instead, it provides financing products centered on real-estate collateral, including Fix & Flip, Hard Money Bridge, Ground-Up Construction, long-term rental/DSCR-style loans, portfolio loans, commercial rehab, and long-term commercial loans.
Its product lineup covers a fairly complete real estate investment lifecycle: short-term renovation and resale, fast bridge financing for acquisitions, construction financing from land to completion, long-term rental property holding, and multi-property portfolio financing. Residential Fix & Flip loans range from $75,000 to $5 million, with 9/12/18-month terms and up to 100% renovation funds held back. Residential bridge loans are available with 12/18/24-month terms. Commercial rehab loans cover 5β50 unit multifamily properties or mixed-use properties where the commercial component is below 30%, with loan amounts from $250,000 to $2.5 million.
The disclosed pricing is relatively transparent. Residential Fix & Flip and bridge loans carry interest rates of 9.99%β12.99%, with origination fees of 1.50%β3.00%. Commercial rehab rates are 10.99%β12.99%. Long-term commercial loans have origination fees of 1.00%β3.00%, with interest rates varying based on market conditions. Underwriting focuses more on property value, FICO score, experience, cash reserves, and exit strategy. Some products state that personal income is not required, making them more suitable for asset-based underwriting rather than salary-income-based review.
The advantages are clear product segmentation, relatively explicit documentation requirements, and short-term loan closing timelines that can be as fast as 5β20 days, which suits time-sensitive investment transactions. The drawbacks are that rates are significantly higher than traditional bank loans, and service availability is limited by state. The main content does not disclose specific licenses, regulatory numbers, funding sources, customer service phone numbers, or API capabilities. Its level of online digitization appears to be mainly limited to application forms and manual follow-up. In addition, the crawled content included drilling engineering articles, suggesting some weaknesses in website content governance.
It is better suited to investors, developers, commercial real estate buyers, and brokers/ISOs looking to refer clients who already own or plan to purchase investment properties in the United States. For Chinese users without U.S. property or a compliant borrowing entity, its practical applicability is limited. The main content does not provide information on website accessibility from China, so this remains unknown. Alternative options include U.S. real estate investment lenders such as Kiavi, Lima One Capital, RCN Capital, and CoreVest.
β 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 capitalthreesixty.com official site.
capitalthreesixty.com is an United States Payments provider. TG4G tracks its product information, an overall rating of 5.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach capitalthreesixty.com directly.