cbizcapital.com

What It Is

CBiz Capital is a U.S. private real estate lender that provides non-owner-occupied investment financing for investors, brokers, developers, and property holders. Its core products include DSCR rental property loans, Fix & Flip renovation-and-resale loans, Bridge loans, and small multifamily financing. The website emphasizes that its team has been involved in real estate finance since 1986, with more than 35 years of experience. Its main roots are in Pennsylvania and New Jersey, and it claims it can cover most U.S. states through partners.

Core Capabilities

In terms of product structure, CBiz Capital is more like a real estate investment financing advisor-style private lender than a standardized online lending platform. DSCR loans are primarily based on the rental cash flow of the property rather than personal W-2 income or DTI, making them suitable for self-employed borrowers, business owners, and rental property investors with complex income structures. Fix & Flip loans support acquisition and renovation funding, with typical parameters including closing in 7–14 days, terms of 12–18 months, up to 85% LTC, up to 70% ARV, and rehab draws released according to construction progress. Bridge loans are used for buying before selling, timing gaps in 1031 exchanges, asset stabilization, auctions, or fast off-market acquisitions. Typical terms are 6–24 months, with up to around 75% LTV, and most are interest-only monthly payments.

Pricing and Fees

The website does not disclose specific interest rates, APRs, points, or origination fee percentages. The information that is clearly stated is that submitting a financing scenario and obtaining a term sheet are free; standard closing costs and origination fees are charged at closing and disclosed in advance in the term sheet. As a result, its quote transparency depends on the term sheet issued after project review. Borrowers should pay close attention when comparing interest rates, points, prepayment penalties, extension fees, and draw management costs.

Pros and Cons

The advantages are its focused use cases and fast response, with preliminary terms typically provided within 24–48 hours; structures can be customized around the property, timeline, and exit strategy; LLC ownership is supported, and there is also some openness to first-time fix-and-flip investors. The drawbacks are that the publicly available information does not show licensing details, regulatory numbers, or funding source explanations; key financing costs are not transparent; and the claimed “nationwide coverage” still needs to be confirmed market by market.

Who It’s For and Access From China

It is suitable for U.S. real estate investors, rental portfolio holders, fix-and-flip teams, developers or brokers who need short-term bridge financing. It is not suitable for ordinary consumer loans, payment acquiring, or cross-border payment needs. The review text does not provide information on access from mainland China, so the status is unknown.