Nationwide Private & Hard Money Lending

Capital Moves at the Speed of Kings.

We lend on the deal — not your W-2. Asset-based financing for fix & flips, rentals, and multifamily, with a preliminary answer in 24 hours and closings in days, not months.

Call (267) 630-2875
No fees to apply · No W-2s required · Preliminary approval within 24 hours
10,000+
Borrowers Funded
$15M
Max Loan Size
24 HRS
Preliminary Approval
43
States We Lend In
The Arsenal

Eight Ways to Fund the Deal

Direct nationwide lending on investment property. Every program underwritten on cash, equity, and experience — pick your weapon and get terms today. Can you live in the property? Read the occupancy rules →

I

Hard Money

Speed is the strategy.
  • Loan size$75K – $5M
  • LeverageUp to 60% LTV · 80% CLTV
  • RatesPriced to the deal
  • Term3–9 months, interest-only
  • NotesForeign nationals eligible
II

Fix & Flip

Buy it broken. Sell it crowned.
  • Loan size$75K – $5M
  • Leverage100% purchase + 100% rehab
  • RatesPriced to the deal
  • Term9–18 months, interest-only
  • NotesMax 75% LTV · No W-2s
III

Rental / DSCR

Cash flow, coronated.
  • Loan size$75K – $5M
  • LeverageUp to 80% LTV
  • RatesPriced to the deal
  • Term30-yr fixed or 5/1, 7/1, 10/1 ARM
  • NotesNo W-2s · Blanket loans available
IV

Multifamily Bridge

For empires of 5 to 350 doors.
  • Loan size$1M – $15M
  • Leverage80% purchase / 100% repairs
  • Term12–36 months, interest-only
  • ClosingAs fast as 20 business days
  • NotesNon-recourse options · FICO 650+
V

Soft Money

Long-term rates. Private-money speed.
  • Loan size$75K – $5M
  • LeverageUp to 80% LTV
  • RatesPriced to the deal
  • Term30-yr fixed or ARM options
  • NotesPurchase, refi, or cash-out
VI

No-Doc

Your papers stay in the drawer.
  • Loan size$75K – $5M
  • LeverageUp to 80% LTV
  • RatesPriced to the deal
  • Term30-yr fixed or ARM options
  • NotesNo income verification · Stated income
VII

No Income Verification

The asset speaks for itself.
  • Loan size$75K – $5M
  • LeverageUp to 80% LTV
  • RatesPriced to the deal
  • Term30-yr fixed or ARM options
  • NotesStated income · No verification
VIII

Bridge

Cross now. Refinance later.
  • Loan size$100K – $5M
  • LeverageUp to 75% of purchase
  • RatesPriced to the deal
  • Term6–18 months
  • NotesNo rehab required · No draws
The Path to Funding

From First Click to Closing Table

I

Take the 60-Second Survey

Tell us about the deal — property, purpose, timeline. No documents, no fees, no hard credit pull.

II

Get Your Answer in 24 Hours

A lending expert reviews your scenario and comes back with preliminary terms within one business day.

III

We Underwrite the Asset

Approvals are based on cash, equity, and experience — not your W-2. Tarnished credit doesn't end the conversation.

IV

Close in Days, Not Months

Bridge loans close in 10–21 days. Rentals in 22–35. While the bank is still asking for paperwork, you're holding keys.

The Creed

We Lend on the Deal.
Not the Paperwork.

  • Cash, equity & experience decide.

    The five things our underwriters weigh: reserves, track record, equity in the deal, the property itself, and its income. Credit is a factor — not a verdict.

  • Recent foreclosure? Short sale?

    Asset-based lending means the property is the collateral. We fund borrowers the banks turned away.

  • First flip or fiftieth.

    From beginner investors with thin credit files to operators freeing up liquidity to scale — there's a program built for where you are.

  • SFR to warehouse.

    Single-family, condos, 2-4 units, multifamily, mixed-use, office, retail, warehouse, light industrial — if it's an investment property, we lend on it.

"Price is what you pay, value is what you get. Hands down the best lender I've ever worked with."
— Mauricio, Repeat Borrower

Buy. Rehab. Rent. Refinance. Repeat.

The BRRRR method is how portfolios get built: buy distressed, force the appreciation, rent it out, refinance your capital back out — and run it again. We finance every stage of the cycle under one roof.

Sworn Testimony

Investors Who Kept Coming Back

★★★★★
The massive value add from Bill and his team is the reason my business partner and I use him exclusively for all our deals. Closings and draws are timely and drama free.
Mauricio
★★★★★
They've serviced the past four loans for my most recent investment projects — refis and bridge loans. Our experience with them has been nothing short of phenomenal.
Saun
★★★★★
Bill and his team are more than just lenders, they're family. Personal experience, market guidance — I've done multiple deals and will continue to do business with Kings of Capital.
Brian
Counsel

Questions, Answered

Bridge loans typically close in 10–21 days; rental loans in 22–35 days. Multifamily bridge deals close in as little as 20 business days. Preliminary approval comes within 24 hours of your survey.
Cash, equity, and experience — and in some cases credit score. Underwriting looks at your reserves, your track record in similar transactions, equity or down payment, the property's type, condition and location, and its income.
SFR, condos and PUDs, non-warrantable condos, 2–4 units, 5–9 units, 10+ units, mixed-use, office and office condo, retail and retail condo, warehouse and warehouse condo, automotive, and day care. The exact list varies by program — hard money, fix & flip and bridge are residential, while rental/DSCR, soft money and no-doc go all the way through true commercial. If it's an investment property, bring it.
Not in a 1–4 unit — those are investment only, so no living in one unit and renting the others. At 5+ units most states allow you to live in the building as long as you don't occupy more than 50% of the livable square footage; New Jersey requires 6 units or more. On commercial and mixed-use property you can run your own business out of the space, and mixed-use can sometimes be your residence too. Full occupancy rules →
Rates are priced to the deal — leverage, property, timeline, and your experience all move the number, so a rate quoted to everyone is a rate that's accurate for no one. Take the 60-second survey and your loan agent lays out your exact terms within 24 hours. No fees, no hard credit pull, no games.
Bridge and hard money loans are interest-only, keeping your carry costs low while you execute the project. Rental loans offer 30-year fixed and ARM structures.
It depends on the program. Hard money runs to 60% LTV (80% CLTV); bridge to 75% of purchase; rental/DSCR, soft money and no-doc to 80%. Fix & flip covers up to 100% of purchase plus 100% of rehab, capped at 75% LTV, and multifamily bridge covers up to 80% of purchase and 100% of repairs.
Nothing. There are no fees to apply and no hard credit pull to get preliminary terms. Third-party costs (appraisal, attorney) only come into play once you move toward closing.
Kings of Capital lends in 43 states nationwide. Tell us where the property is in the survey and we'll confirm coverage on the spot.

Your Empire Won't
Finance Itself.

Sixty seconds. No fees. No W-2s. A preliminary answer within 24 hours.