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Capital Funding Financial

Capital Funding Financial

Capital Funding Financial is a leading nationwide private lender specializing in fast, reliable fix-and-flip bridge loans, short-term bridge financing, ground-up construction loans, and DSCR rental financing for real estate investors.
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Capital Funding Financial

5550 Glades Road, Suite 200, Boca Raton, Florida 33431
(561) 821-7186
loans@capitalfundingfinancial.com
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Vetted Provider

This vendor has been evaluated and confirmed as active, reputable, and qualified to lend.

About

$750M+
Capital Deployed
1,000+
Properties Funded
2016
Year Founded
Capital Funding Financial is a Boca Raton, Florida-based nationwide direct private money lender founded in 2016 by David DiNatale - an attorney and licensed mortgage professional (FL Bar 117503, NMLS 1401288). With 1,000+ loans funded and over $750M in capital deployed, Capital Funding specializes in luxury single-family bridge loans from $500,000 to $50M, with a stated close time of 7 days and no credit check required on bridge programs. Their differentiator is speed and simplicity: no appraisal on residential loans, BPO always accepted, 2-day draw turnaround, and no prepayment penalty on any program.

Where They Lend

Nationwide
Nationwide
Capital Funding Financial lends nationwide with primary lending concentration in Florida, Texas, Georgia, the Carolinas, and the Mid-Atlantic. Their primary focus is luxury single-family bridge loans in strong coastal and Sun Belt markets where speed and discretionary capital create a competitive advantage over institutional lenders.

Loan Types, Structures and Terms

$250,000 to $100,000,000
Typical Loan Amounts
6 to 24 Months
Typical Terms
6.50% to 12.49%
Typical Interest Rates
1.50% to 3.00%
Typical Points
Capital Funding Financial offers Fix-and-Flip bridge loans, short-term bridge loans for purchase and refinance, ground-up construction loans for residential and commercial projects, and DSCR 30-year rental loans - all with no credit check required and closings in as few as 7 days.
Fix-and-Flip
New Construction
Rental (DSCR)
Short-Term Bridge
Capital Funding Financial Fix-and-Flip loans provide up to 80% LTP and 100% of renovation costs capped at 75% ARV, with no credit check required, 2-day draw turnaround, and closings in as few as 7 days nationwide.
Fix & Flip FeatureStructure & Terms
Project TypesSingle-family, 2-4 units, condos, multifamily, mixed-use, and commercial value-add. Primary focus on luxury SFR. Non-owner occupied only.
Loan Limits & Terms$250,000 to $10,000,000 | Interest-only, first-lien | No prepayment penalty
Rates & FeesStarting at 9.25% | Origination 1.50% to 3.00% | No credit check required | Deposit required at application (credited to closing costs)
Leverage Ratios (LTC/ARV)Up to 80% LTP | Up to 90% LTC | 100% of Renovation Costs | Max 75% ARV | Heavy rehab: up to 85% LTP + 100% rehab, max 70% ARV
Structural AdvantagesNo appraisal required on residential properties (BPO always accepted). No credit check. No experience required. Draw funds released in 2 days. Closes in as few as 7 days. No cap on simultaneous projects. Auction purchases accepted.
Capital Funding Financial Ground-Up Construction loans fund residential and commercial builds from $500,000 to $250,000,000 with up to 85% LTC, interest charged only on funds drawn, and milestone-based draw schedules - minimum 3 prior ground-up projects required.
Construction FeatureStructure & Terms
Project TypesResidential spec homes, townhomes, multifamily, and commercial ground-up construction. Partially completed construction projects considered. With 1,000+ SFR communities developed by their family office, they bring builder-level expertise to every construction deal.
Loan Limits & TermsResidential: $500,000 to $50,000,000 | Commercial/Multifamily: $500,000 to $250,000,000 | Starting at 9.50% | Closes in avg 28 days | Interest charged on funds drawn only
Leverage Ratios (LTC)Residential: Up to 85% land + 85% LTC, max 70% LTCV | Multifamily: Up to 85% land + 85% LTC, max 70% LTCV | Commercial: Up to 75% land + 75% LTC, max 65% LTCV | Case-by-case up to 90% LTC
Experience RequiredMinimum 3 prior ground-up construction projects. Will lend on partially completed construction projects. Partners with small local developers on both debt and equity structures.
Structural AdvantagesInterest on drawn funds only - protecting cash flow throughout your FlipperForce construction timeline. No appraisal on residential. Will consider partially completed builds. Family office has developed 1,000+ SFR communities nationwide.
Capital Funding Financial DSCR Rental loans offer 30-year fixed financing from 5.99% with no appraisal required (BPO accepted), up to 80% LTV, portfolio loans for up to 250 properties, and a 620 minimum FICO - closing in 14 to 21 days.
Rental DSCR FeatureStructure & Terms
Property TypesSingle-family (1-4 units), condos, townhomes. Short-term rentals, mid-term rentals, and vacation rentals considered. Minimum property value $100,000.
Loan Limits & Products$100,000 to $10,000,000 | 30-Year Fixed or ARM | Interest-only options available | Single-asset or portfolio loans (2 to 250 properties)
Leverage Ratios (LTV)Purchase: Up to 90% LTP | Rate-term refi: Up to 80% LTV | Max 90% DTI
QualificationMinimum 620 FICO | Rates from 5.99% to 8.99% | Origination 1.00% to 2.95% | No appraisal required - BPO always accepted | Close in 14 to 21 days
Structural AdvantagesPortfolio blanket loans combining 2 to 250 properties on a single mortgage. BRRRR investors can model projected DSCR and cash-on-cash returns in the FlipperForce BRRRR Analyzer before refinancing out of a bridge loan. No appraisal - BPO accepted, accelerating the exit timeline.
Capital Funding Financial Short-Term Bridge loans provide fast-close capital for purchases, refinances, and cash-out transactions on residential and commercial properties nationwide, with no credit check, no appraisal on residential, and closings in as few as 7 days.
Bridge Loan FeatureStructure & Terms
Use CasesAs-is purchases, rate-term refinances, cash-out refinances, primary residence bridge (business purpose), foreclosure bailout, bankruptcy resolution, discounted note payoff, reverse 1031 exchange, and partner buyout. Primary focus on luxury single-family bridge from $500,000 to $50,000,000.
Property TypesResidential (SFR, 2-4 units, condos, luxury homes), multifamily, commercial, mixed-use, industrial, hotel, storage, student housing, mobile home parks, land (entitled only). No owner-occupied consumer loans, no gap funding, no 2nd mortgages.
Loan Limits & Terms$250,000 to $100,000,000 | Interest-only, first-lien | No prepayment penalty | Hard money bridge: $250,000 to $50,000,000 up to 65% LTV starting at 9.99%, close in 3-7 days
Leverage Ratios (LTV)Purchase (no value-add): Up to 75% LTP residential/multifamily/commercial | Cash-out refi: Up to 70% LTV | Long-term purchase: Up to 80% LTP | Land: Up to 50% LTV (entitled only)
Structural AdvantagesNo appraisal required on residential (BPO always accepted). No credit check. Closes in as few as 3 days. LOI issued within 24 hours. No 100% financing. Foreign nationals accepted up to 75% LTV; permanent residents with ITIN up to 85% LTV. Proof of funds letters available.

Borrower Qualifications (Are you qualified?)

Capital Funding Financial qualifies borrowers based on the asset and deal structure - no credit check required on bridge programs, no appraisal on residential, no tax returns, and no income documentation needed. All entity types accepted including LLCs, trusts, corporations, and self-directed IRAs.
Qualification ParameterLender Requirements
Experience LevelsNo experience required for Fix-and-Flip and Bridge programs (0 prior deals accepted). Ground-up construction requires minimum 3 prior completed builds. First-time investors welcome on all other programs.
Credit RequirementNo Credit Check on bridge and fix-and-flip programs. 620 Minimum FICO required for DSCR long-term rental loans. No minimum credit score on hard money bridge programs.
Income VerificationNo Tax Returns or W-2s Required. Loan application only for most programs. No income documentation needed on bridge and fix-and-flip loans. Asset-based underwriting focused on the deal.
Entity RequirementLLC, LP, Trust, Corporation, and Self-Directed IRA accepted. Personal guaranty required on most programs (sometimes waived at sub-50% LTV with strong exit/sponsor profile). Does not lend to individuals.

Underwriting Process (How long will it take to get approved?)

Capital Funding Financial underwrites in-house with LOI issued within 24 hours of application. No appraisal required on residential properties (BPO always accepted), no credit check on bridge programs, and no tax returns required - typical close in 7 days, fastest in 3 days.
Stage / RequirementProcess & Timelines
Initial ReviewSubmit loan application. LOI issued within 24 hours. Deposit required at application to cover valuation, credit/background, and title search costs - credited in full to closing costs.
Property ValuationNo appraisal required on residential properties. BPO always accepted for both residential and commercial. Appraisal required on some commercial properties. In-house valuation team processes most residential deals without third-party delays.
Speed to CloseTypical close in 7 days; fastest close in 3 days on qualifying hard money bridge deals. Construction loans average 28 days. DSCR rental loans close in 14 to 21 days.
Document ChecklistLoan application only required for most bridge programs. No tax returns, no W-2s, no income documentation. Purchase contract not required before application. Proof of funds letters available for qualifying deals.

Draw Process (How long will it take to get draws?)

Capital Funding Financial processes draw requests in approximately 2 days - one of the fastest draw turnarounds in the industry. Interest is charged on the entire total project cost amount from day one, not just on funds drawn.
Operational StepMethodology & Timelines
Draw SystemReimbursement-based. Investor funds the completed phase of the rehab budget, then submits a draw request for reimbursement. Interest is charged on the entire total project cost amount from day one - not just on funds drawn.
Inspection MethodStreamlined in-house review. No appraisal required on residential properties - BPO accepted for draw inspections. The same no-appraisal advantage that applies to the original loan extends through the draw process.
Funding TurnaroundDraw requests processed in approximately 2 business days from submission - one of the fastest turnarounds available, keeping contractor schedules aligned with your FlipperForce project timeline.
Draw FeesDeposit collected at application covers valuation, draw administration, and closing-related costs. Confirm per-draw inspection fee structure directly at application.