Commercial Bridge and Ground Up Construction
We offer a commercial bridge and ground up construction program specifically for real estate investors and developers. This program is a low documentation, perfect to purchase and rehab project to either sell or refinance once completed. Program qualification is based on property values, FICO score and borrower experience. No personal income is required.
| Loan Amount | $500,000 – $15 Million |
| Minimum Property Value | $750,000 or greater |
| Loan Term | 12 to 36 month options |
| Time to Close | 30 Days |
| Asset Classes | 1-4 units, Multifamily, Mixed-Use, Commercial, Retail, Commercial GUC, No raw land |
| LTV of Purchase price | Up to 70% |
| LTC of Rehab amount | 100% |
| Max Loan to ARV | Up to 75% |
| Lien Position | First mortgage |
| Interest Rate | 10.9% – 12.9% |
| Origination Fees | 2% – 3% (adjusted to loan size, timing, and complexity) |
| Construction Servicing Fee | 1% of the rehab holdback amount |
| Minimum Credit Score | 680 |
| Amortization | Interest Only |
| Closing Costs | Loan can include funds to cover closing expenses |
| Prepaid Interest/strong> | Interest reserves may be financed if loan terms allow |
| Lending in the following states | CT, FL, GA, MA, ME, MD, NH, NJ, NY, NC, OH, PA, RI, SC, TN, TX, VA |
No interest on the rehab portion until funds have been drawn
No Pre-payment penalty
Renovations Funded 100% via holdback.
A borrower seeking a commercial rehab loan must meet the following generally stated minimum requirements.
| Borrower Type | Corporations, Trust or Limited Liability Companies preferred |
| Cash Reserves | 10-15% |
| Construction Experience | Prior construction or renovation experience is required |
| Credit Score | 660 or higher preferred |
| Exit Strategy | Clear plan to repay or refinance the loan is required |
Personal Documents
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Loan Application
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Driver’s License & Passport
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Personal Financial Statement
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Schedule of Real Estate Owned
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Bio/Resume
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Last Two Month’s of all Bank Statements
Property Documents
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Current Rent Roll
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Operating Statements for Last Three Years & YTD
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Operating Budget/Proforma for Next 12 Months
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Purchase Contract or Payoff & Current Mortgage Statement (if applicable)
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Leases
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Property Management Agreement
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Planned and Past Capital Improvements
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Valuation (to be ordered or provided)
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Title & Insurance Contacts
Business Documents
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Last 2-3 Years of Tax Returns (if applicable)
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Entity Documents
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• Articles of Organization
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• Bylaws/Operating Agreement
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Organizational Chart and Business Debt Schedule
We make it easy—download all the forms you need to start your loan application, hassle-free.
Real Estate Financing Made Simple
At Capital Three Sixty, real estate lending is all we do and we do it well. With decades of experience and thousands of funded deals, we help investors and business owners secure the right financing quickly and efficiently.
Fueling Your Real Estate Goals
Growing a Rental Portfolio
Flexible long-term loans for income-generating properties.
Flipping Properties
Fast capital for purchase, rehab, and resale.
Developing Commercial Projects
Funding for ground-up construction and value-add deals.
FUNDING IN
ALL STATES
*Except: MN, NV, ND, SD
Ready to
Get Started?
No hassle, no delays. Our quick application process is built to get investors, developers, and business owners the capital they need—without the runaround.
Simple online application
Quick review and response
No obligation term sheet