Fix & Flip Loans
- 80% loan-to-cost (LTC)
- 660+ FICO
Short-term hard money financing for value-add acquisitions, covering the purchase and renovation so a qualified borrower can move quickly on the deal.
Real estate financing, clarified before you select a path.
Capital for builders who are just getting started — and investors ready to scale. We fund fix & flip, ground-up construction, cash-out refinance, and investment purchase programs — including DSCR and bridge loans sized to the asset, not a W-2.
Decision Map
From project need to a clear next step.
One team, start to finish. We assess fit, structure the project file, move it through underwriting and manage conditions straight through to closing.
Need
Project type, property context, objective, and timing.
Fit
Relevant program and qualification inputs.
Structure
Scope, costs, borrower profile, and required information.
Underwriting
Underwriting review and conditions.
Next step
Clarify open items and continue through the actual inquiry.
Approval and final terms are confirmed in writing.
Financing programs
Start with what the property needs to do.
These published program profiles help frame fit. Availability, underwriting, approval, and current terms still apply.
Ground-Up Construction Financing
- 80% loan-to-cost (LTC)
- 65% loan-to-after-repair-value (LTARV)
Built for first-time and experienced builders, with financing across land, hard costs, and soft costs from breaking ground to certificate of occupancy (CO).
Cash-Out Refinance Loans
- 75% loan-to-value (LTV)
- 660+ FICO
Pull equity out of a stabilized or completed project to pay down debt, reinvest, or free up capital for the next build.
DSCR & Bridge Investment Loans
- 80% loan-to-cost (LTC)
- 660+ FICO
Acquisition financing for rental and investment properties, including debt-service coverage ratio (DSCR) and bridge options sized to the asset rather than a W-2.
Qualification
Qualification frames fit. It is not approval.
These figures describe the published first-time-builder profile. Exact terms vary by experience, project scope, asset location, and current program requirements.
- 660+
- Minimum FICO in the published first-time-builder profile; 700+ unlocks top-tier leverage.
- 80%
- Maximum loan-to-cost for borrowers at 700+ FICO; the published maximum is 75% for 660–699.
- 65%
- Maximum loan-to-after-repair-value on published rehab and construction deals.
- 1st
- First-time builders are welcome; no prior completed project required.
The published scope is residential & mixed-use investment property. Published profiles remain conditional on current underwriting and do not establish availability or approval.
Request inputs
What the request needs to make clear.
The Decision Map is the sequence; we organize these supporting inputs before and during underwriting.
- Property and objective
- Identify the property, project type, intended use, and financing objective.
- Scope and costs
- Set out the purchase, land, hard-cost, soft-cost, rehab, and draw context that applies.
- Borrower profile
- Share experience and credit context without treating either as an approval decision.
- Documents
- Organize the property, budget, entity, and borrower records underwriting may request.
- Timing
- State the desired acquisition, construction, refinance, or closing timeline.
- Property condition
- Clarify current condition, planned work, completion status, and stabilization context.
- Underwriting and closing
- Track underwriting questions, conditions, term-sheet details, and open items straight through to closing.
- Start your request
- Get Pre-QualifiedCall 201-940-8048
Published experience
Published experience, in context.
$100M+
Funded deals since 2015
HB Capital is a family-run commercial finance company that has published over $100M+ in funded deals since 2015. Historical volume does not promise current availability, approval, terms, timing, or outcomes.
Real capital. Real people.
Published client experience emphasizes direct access to HB Capital’s family-run team: real answers, real terms, no call center. The team coordinates the file from application toward closing.
Published speed context: Pre-qualification in minutes, term sheets without the bank runaround. Published process language says the short pre-qualification form takes about three minutes.
How the process continues.
HB Capital can walk through leverage, rate, and draw-schedule details in plain language, then coordinate open items toward closing after terms are accepted so builders can focus on the build, not the paperwork.
No obligation, no hard credit pull is the published program context. The initial inquiry below does not run a credit pull or determine eligibility.
Not a commitment to lend. See our financing disclosure.
Real estate inquiry
Start your Real Estate inquiry.
Share the initial project and contact details we need to review fit and get moving.
Confidential initial inquiry. No SSN, tax return, or document upload is requested here, and there are no upfront fees.