Loan Programs Offered Nationwide

We utilize a network of experienced and talented business professionals to support the needs of our clients. Tell us about your business and we will utilize our network to provide a trusted solution.

• This is also referred to as private capital, and is a loan funded by private individuals, mortgage pools, and insurance companies.
• Collateral in the form of Real Estate is utilized.
• Terms are agreed upon, and the lender funds the loan and records a deed against the property.

• There’s no restrictions on how you use the money.
• Interest only (in most cases).
• The terms can be anywhere from 1-7 years.
• You can borrow on a stated income basis.
• You don’t need two years tax returns on proof of income.
• You can pay the loan off in 3-6 months with no penalty.
• Challenged Credit is not an issue.
• You do not have to give up ownership of your business.

Protective equity is the difference between the loan amount and the value of the property.

• Collateral: you can lose the asset you pledge if you do not perform on the agreed upon terms.
• Private money loan originators must be licensed by the DRE or CFL.
• Most investors will not lend on land, Churches or participate in Joint Ventures.

Since we utilize a wide range of financing solutions, we will be your best bet to find a solution. Let’s talk and we will advise you of your different options.

For more information please refer to the Pricing page.

• Private Capital – 5-7 Business Days
• Bank financing 45 – 60 days

We can provide Fix or flip, RE Investment, SBA, Factoring, lines of credit, Business Acquisition, CAPX, Franchise financing, Commercial owner user RE, Commercial Investment, and Bridge loans.

A point is equal to 1% of the loan amount. The average hard money loan has between 2 & 6 points. Example: $300,000 x 1% = $3,000

1. We’ll connect to learn more about your financing needs.
2. With the information we have, we’ll advise you of your options.
3. We’ll devise a strategy to proceed with our plan.
4. We’ll present your file to multiple banks.
5. We’ll leverage our network to gain multiple offers.
6. We’ll strategically negotiate to achieve the best possible financial solution for you.

We help our clients refinance their loans at maturity. We go to work to find you the best terms that meet your new financing goals. Our business is built to serve all the needs of our clients.

We are both – we utilize in house private capital and a network of financial institutions to provide our clients a wide range of options.

Utilizing Innovative Capital will connect your business with financing experts who go to work for you providing multiple options. When you go with one bank, you typically only get one or no offer. You lose the power of negotiation and the option to choose which offer is best suited for your business. When you are not approved, you must start the process all over again with a new bank. Working with Innovative Capital will put you in a stronger position to seek the best financing solution for your business.

A safe rule of thumb is 30% down payment.

Lets chat to learn more about you and your business. We will discuss the different solutions we recommend.

• We leverage our wide network of banks who provide us preferred rates due to our volume of loans.
• We receive multiple offers from presenting the loan to multiple banks at once.
• We keep the banks honest by having multiple offers.
• We negotiate the fees and rates on behalf of our clients.
• We have information that our clients might not be aware of, where we can reduce expenses.

A quarter to half a percent on their interest rate, plus the removal of different bank transaction fees can save you thousands over the term of the loan.

• We review the file to look for challenges to seeking capital. We present the loan to the bank to make their lives as easy as possible by eliminating issues before they come up in underwriting. The end result is that you have more offers in less time.
• If you only work with one bank, you might run into the issue of the bank turning down the loan, meaning you’ll have to start the entire process over with another banks. Gaining multiple offers at once reduces this occurrence.
• If there is a challenge that eliminates traditional financing or time is of the essence, we have in house private capital that can provide the needed solution. We will create a bridge loan to help close the deal and keep your business moving forward.

• We know how the banks underwrite their loans based on our experience. Having experts preparing your file and presenting the loan in the best light. This strategy reduces the chance of future challenges delaying the funding of the loan.
• When the problem is such that no bank will provide financing, we have in house private capital to provide our clients the solutions they are seeking.