BD Capital | Lending Parameters
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BD Capital Lending Parameters

At BD Capital, those looking for real estate investor financing can find fix and flip loans, real estate bridge loans and investment property lending to meet their unique needs. Our lending parameters are:

TERM

1 year, plus extension options.

AMORTIZATION

Interest Paid Only on Drawn Funds.

NO PREPAYMENT PENALTY

Prepayment accepted at any time.

LOAN AMOUNT

$50,000 to $5 Million

BORROWER

Single Purpose Entity Owners Structure

BROKERS

Brokers Welcome and Protected

LENDING AREA

We specialize in New Jersey, New York, and Pennsylvania. We will consider other geographical locations on a case-by-case basis.

DRAW REQUEST

Inspections done within 24 hours, and funds wired same day.

We do not lend on residential properties occupied by owners.

Collateral Types

  • Single Family Residential Renovation Projects
  • Multifamily
  • Office
  • Retail Luxury Residential
  • Urban Land
  • Commercial Real Estate Occupied by Your Business

Proceeds May Be Used For:

  • Acquisition Funding
  • Value Add
  • Cash Out Purposes
  • Construction
  • Refinancing
  • Repositioning
  • Bridge Financing
  • New Construction and Fix & Flip
  • We are willing to consider creative opportunities

First Time Borrower Parameters

  • Loan To Purchase: Up to 80%
  • Construction Financing: Up to 100%*
  • After Repair Value: 65% or less
  • Interest Rate: 10% to 14%
  • Origination Fee: 2% to 4%
  • Closing Time: 1 Week

* +/ – Depending on loan amount, situation, and risk.

Repeat Borrower Parameters

  • Loan To Purchase: Up to 90%
  • Construction Financing: Up to 100%
  • After Repair Value: 65% or less
  • Interest Rate: 9% to 14%
  • Origination Fee: 1% to 4%
  • Closing Time: 1 Week

* +/ – Depending on loan amount, loan to value, situation, risk and history with borrower.

Elite Program

Parameters

Loan To Purchase: 90%
Construction Financing: 100%
Loan to ARV: 70%
Origination Fee: 1% to 4%
Interest Rate: As low as 8.99%
Elite Plus: Well qualified borrowers can get 5% of the purchase price advanced as a construction draw at closing. Contact us for details

Borrower Requirements

  • Credit Score: Above 650*
  • Loan to Cost (LTC): Max of 94%*
  • Completion of two projects in the last year or five in the last two years
  • Property Types: 1-4 family houses, townhomes, and condominiums

* For credit scores below 650, multiple compensating factors exist.

Throw your deal into the project calculator.