A Private, Non-Bank Hard Money Lender Providing Asset Based Lending (ABL) for Real Estate Investments

Hard Money Loans Made Easy

Recent Transaction

Loan Amount:$312,500

Loan Type:Renovation

Approval Time: 48 hours

Loan Purpose:Fix and Flip Renovation

Recent Transaction

Loan Amount:$685,000

Loan Type:Renovation

Approval Time: 72 hours

Loan Purpose:Fix and Flip Renovation

Recent Transaction

Loan Amount:$630,000

Loan Type:Renovation

Approval Time: 72 hours

Loan Purpose:Fix and Flip Renovation

Recent Transaction

Loan Amount:$196,000

Loan Type:Commercial Bridge

Approval Time: 1 day

Loan Purpose:Investment Property Acquisition

Backed by a second generation, vertically integrated real estate investment and services firm with over six decades of experience. 

EMCAP is a private, ‘hard money’ lender specializing in asset based short-term, first mortgage bridge financing for all types of real estate investments. We lend on non-owner occupied investment properties as a solution to investors that require speed and execution not found in traditional lending.

Our borrowers include house fix and flippers, real estate developers, home builders, and commercial property owners. EMCAP Lending is the private lending affiliate of Procaccianti Companies. With over six decades of experience and more than $10 Billion of transactions under our belt, you bet we know real estate – and we’ve made private real estate lending simple.

CHOOSE YOUR LOAN - SEE OUR GUIDELINES

Step 1: Select your project type in the white box below.
Step 2: Scroll down to see the guidelines for specific EMCAP Lending program

Fix & Flip / Fix & Hold
Renovation Loan

$100,000 to $7,000,000
Loan Amount

SFR & Multifamily
Property Type

12-18 mos
Loan Term

As low as 10%
Interest Rates

2 Points
Origination Points

Max 90%
Loan-to-Cost (LTC) %

Max 70%
Loan-to-Value (LTV/ARV) %

100%
% of Construction Funded

1st Lien Only
Collateral Requirement

Interest-Only on Balance
Monthly Payments

Min 1 Flip / 10+ = Best Rate
Borrower Experience

Held in LLC/ Non-Owner Occ
Borrower Requirements

625
Credit Minimum

> $1MM = 7-Day Valuation
Appraisal Requirements

SFR / Multifamily
Bridge Loan

$100,000 to $7,000,000
Loan Amount

SFR & Multifamily
Property Type

Loan Term
12-18 mos

As low as 10%
Interest Rates

2 Points
Origination Points

Max 85%
Loan-to-Cost (LTC) %

Max 80%
Loan-to-Value (LTV/ARV) %

N/A
% of Construction Funded

1st Lien Only
Collateral Requirement

Interest Only
Monthly Payments

Min 1 Deal / 10+ = Best Rate
Borrower Experience

Held in LLC/ Non-Owner Occ
Borrower Requirements

625
Credit Minimum

Appraisal Requirements
> $1MM = 7-Day Valuation

Streamline Hard Money
renovation loan

$150,000 – $5,000,000
Loan Amount

Property Type
SFR, Multi & Commercial

12-18 mos
Loan Term

10% to 12%
Interest Rates

2 Points
Origination Points

Max 85%
Loan-to-Cost (LTC) %

Max 70%
Loan-to-Value (LTV/ARV) %

100%
% of Construction Funded

1st Lien Only
Collateral Requirement

Monthly Payments
Interest-Only on Balance

Borrower Experience
Min 1 Deal – Case-by-Case

Held in LLC/ Non-Owner Occ
Borrower Requirements

625
Credit Minimum

None
Appraisal Requirements

Streamline Ground-up
construction loan

$150,000 – $5,000,000
Loan Amount

SFR, Multi & Commercial
Property Type

12-18 mos
Loan Term

10% to 12%
Interest Rates

2 Points
Origination Points

Max 85%
Loan-to-Cost (LTC) %

Max 70%
Loan-to-Value (LTV/ARV) %

100%
% of Construction Funded

1st Lien Only
Collateral Requirement

Interest-Only on Balance
Monthly Payments

Min 1 Deal – Case-by-Case
Borrower Experience

Held in LLC/ Non-Owner Occ
Borrower Requirements

625
Credit Minimum

> $1MM = 7-Day Valuation
Appraisal Requirements

Streamline Commercial
Bridge Loan

$150,000 – $5,000,000
Loan Amount

Property Type
SFR, Multi & Commercial

12-18 mos
Loan Term

10% to 12%
Interest Rates

2 Points
Origination Points

Max 85%
Loan-to-Cost (LTC) %

Max 70%
Loan-to-Value (LTV/ARV) %

N/A
% of Construction Funded

1st Lien Only
Collateral Requirement

Interest-Only
Monthly Payments

Min 1 Deal – Case-by-Case
Borrower Experience

Held in LLC/ Non-Owner Occ
Borrower Requirements

625
Credit Minimum

Yes
Appraisal Requirements

Funding your real estate projects
shouldn’t be stressful

Secure Online Loan Portal

Pay Your Commitment Deposit

Securely pay your Loan Commitment Deposit quickly and securely  online.

Pay Your Monthly Interest Payment

Securely pay your Monthly Interest Payment quickly and securely online.

Access Online Draw Portal

Login to the secure
Draw Portal online

For Loan Guidelines

Fast

We can approve loans in less than 48 hours, close in 7 business days, and fund draws in 1-3 days.

No Hassle

Common-sense underwriting, no tax returns or bank statements needed, no appraisals on SFR and Multifamily.

Trustworthy

We have never backed out of a loan that we’ve committed to and 75% of our loans are with repeat borrowers.

Service

EMCAP prides itself on fast, reliable service. Our staff is always accessible to assist with loans and loan scenarios.

What Successful Real Estate Investors Say About EMCAP Lending

Philip Swanson
Philip Swanson
2021-12-11
Great experience with Bryan. Would recommend. Stayed in close contact throughout the project to make sure things were moving smoothly.
Jim Moore
Jim Moore
2021-12-09
The most utterly professional group of people I have ever worked with. Their knowledge of the hard money business is unsurpassed. Highly recommend Emcap Lending.
Joe Currier
Joe Currier
2021-02-19
Professional, efficient and great communication response
Mike Fuller
Mike Fuller
2020-06-15
I went with EMCAP due to my senior representative and the trust I've built with him in the past. What I also really like about EMCAP were a couple of the cost savings measures that were put in place that other hard money/private lenders do not. These lenders are so boiler plate. However, EMCAP has the little things that separate them from the others. They have ways to help keep cash in your pocket during the project.
Michael Lefavor
Michael Lefavor
2020-06-14
Great private money lender!!! I have been using them for over three years now and have completed numerous projects using their financing. They lend on a variety of deals, I’ve done multi family flips, new construction, and fire damage rehab. There are two things I like most with Emcap 1. They can close a deal fast... a lot of private money say they can, but from my experience they can’t. Emcap closes. 2. Draw requests. They get you your rehab money funded into your account fast! I have had an inspector out at my project in the morning and funds were in my account by the end of the day. I would highly recommend using them for your next project. Friendly knowledgeable staff that go the extra mile to get your deal done. Every flipper give them a shot!
Anthony Autiello
Anthony Autiello
2020-06-09
Michael Bucci
Michael Bucci
2020-06-08
Professional, practical and personable
Timothy Hart
Timothy Hart
2020-06-08
Anthony Marcello
Anthony Marcello
2020-06-08
Marissa D'Angelo
Marissa D'Angelo
2020-06-02

Who Borrows from EMCAP Lending?

EMCAP is a private, ‘hard money’ lender specializing in short-term, first mortgage, asset based loans (ABLs) for all types of real estate investments. We lend on non-owner occupied investment properties as a solution to investors that require speed and execution not found in traditional lending. Our borrowers include house flippers, real estate developers, home builders, and commercial property owners.

Renovation

Our renovation loan is for investors looking to fix and flip or fix and hold a property. Our renovation loan program helps borrowers get in & get out of the deal quickly while maximizing profit. Unlike most lenders, we allow borrowers to act as their own general contractor.

Ground-Up Construction

Our niche is ground-up construction. We help home builders & real estate developers get through the construction process faster than a traditional lender. We will fund 100% of construction and interest is calculated only on the drawn balance, not the full loan from day 1.

Commercial Bridge

We offer bridge loans to residential and commercial investment property owners who need a “bridge” to a sale or eventual refinance with a conventional loan. We lend on hospitality, office, industrial, and more. We have an experienced team of originators who specialize in commercial bridge loans.

RECENT TRANSACTIONS

Here are some recent transactions from our hundreds of successful loans.

Loan Amount:

$312,500

Loan Type:

Renovation

Property Location:

Southern Maine

Loan Amount:

$685,000

Loan Type:

Renovation

Property Location:

Massachusetts

Loan Amount:

$630,000

Loan Type:

Renovation

Property Location:

Southern Maine

Loan Amount:

$196,000

Loan Type:

Commercial Bridge

Property Location:

Rhode Island

Trust is the foundation of great service

Traditional lenders simply can’t compete with our proven ability to underwrite loans and close quickly. Our principals have been in real estate development and lending for over 30 years. We know real estate and believe in helping borrowers create value to maximize upside.

Features

✓ Trust

✓ Accuracy

✓ Confidentiality

✓ Expertise

✓ Experience

✓ Professional

EMCAP Lending News

Tips For Picking the Right Hard Money Lender

Tips For Picking the Right Hard Money Lender

When it comes to anything finance-related, you want to be careful who you work with, particularly true of money lending. Learn how to become an expert at licking the right hard money lender.

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