Partners
Lenders
Lincoln Capital

Lincoln Capital

Portland, Maine
Apply Now

Lincoln Capital

207-772-7500
Website

Vetted Provider

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

About

2006
Year Founded
Lincoln Capital is a Portland, Maine-based direct private lender serving real estate investors and builders across all of Maine since 2006. The firm is recognized as one of New England's leading private lenders, with a team carrying over 100 years of combined real estate experience. Lincoln Capital specializes in equity-based bridge loans for acquisition, construction, land, development, workouts, bankruptcies, and foreclosures. The team lends to borrowers with assets, with loan amounts ranging from $100,000 to over $1,000,000 and a closing timeline as fast as one week. The firm's creative financing expertise allows it to handle complex deal scenarios that traditional banks and national hard money platforms typically decline - including short sales, foreclosure purchases, and workout situations. Property types include single-family investment properties, multi-unit residential, condominiums, and commercial investment. Lincoln Capital combines local Maine market knowledge with decades of real estate lending experience to provide the capital and speed that Maine investors need to compete in today's market.

Key Differentiators

Why investors choose this lender:

  • One of New England's leading private lenders since 2006 - nearly two decades of Maine-specific real estate lending experience; the team carries over 100 years of combined real estate knowledge, giving Lincoln Capital unmatched local market depth
  • Closes in as little as one week - equity-based underwriting with local decision-making eliminates the committee delays that slow down national platforms; Maine investors can close on time-sensitive deals without waiting
  • Complex deal specialists - workouts, bankruptcies, foreclosures, short sales - Lincoln Capital handles the deal types that conventional banks and many hard money lenders decline; if the asset has equity and the deal makes sense, Lincoln Capital can structure it
  • True equity-based lending - no personal income gatekeeping - qualification is built around the property's value and equity, not W-2 history, DTI ratios, or personal income verification
  • All-Maine coverage with full construction capability - lends statewide from acquisition through final completion on construction projects; a single local lender relationship for every phase of the deal

Where They Lend

Local
All of Maine
All of Maine. Equity-based private lending for investment property purchases, bridge loans, new construction, renovations, short sales, and foreclosures. No owner-occupied primary residence loans.

Loan Types, Structures and Terms

$100,000 to $1,000,000+
Typical Loan Amounts
Equity-based lending on Maine investment properties. Loan range $100,000 to $1,000,000+. Purchase, bridge, new construction, renovation, short sales, and foreclosures. Contact Lincoln Capital directly for specific LTV, rates, and terms.
Fix-and-Flip
New Construction
Short-Term Bridge
Lincoln Capital provides equity-based fix-and-flip financing from $100,000 to $1,000,000+ across Maine, closing in as little as one week. Short sales, foreclosures, and complex deal scenarios accepted.
Fix & Flip FeatureStructure & Terms
Loan Range$100,000 to $1,000,000+
Speed to CloseAs little as one week
Underwriting BasisEquity-based - qualification centers on property assets, not personal income documentation
Property TypesSingle-family investment properties, multi-unit residential, condominiums. Short sales and foreclosure purchases accepted.
Rates & TermsContact Lincoln Capital directly at 207-772-7500 to discuss rates and terms for your specific deal
Geographic CoverageAll of Maine
Lincoln Capital new construction loans cover all phases from land acquisition through final completion across Maine. Equity-based, $100,000 to $1,000,000+, closing in as little as one week.
Construction FeatureStructure & Terms
CoverageCovers all phases of construction - from land acquisition through final completion
Loan Range$100,000 to $1,000,000+
Property TypesResidential new construction, commercial construction, and land development across Maine
Speed to CloseAs little as one week for equity-based construction loan closings
TermsFlexible terms designed around the unique requirements of each project. Contact Lincoln Capital at 207-772-7500 for specific terms.
Lincoln Capital bridge loans provide short-term equity-based financing for Maine real estate investors - acquisitions, short sales, foreclosures, and transitional holds from $100,000 to $1,000,000+, closing in as little as one week.
Bridge Loan FeatureStructure & Terms
Loan PurposeShort-term bridge financing for Maine investment property - acquisitions, gap financing between buy and sell, short sales, foreclosure purchases, and workout situations
Loan Range$100,000 to $1,000,000+
Underwriting BasisEquity-based. Qualification based on property assets. Workouts, bankruptcies, and complex scenarios accepted.
Speed to CloseAs little as one week
Rates & TermsContact Lincoln Capital at 207-772-7500 or lincolncapital.me to discuss terms for your specific deal
Don't lose the deal waiting on financing. Apply now and get pre-approved today.
Apply Now

Borrower Qualifications (Are you qualified?)

Lincoln Capital qualifies borrowers on asset equity rather than traditional income documentation. Complex deal scenarios including workouts, bankruptcies, and foreclosure purchases are accepted. The team can close loans from $100,000 to over $1,000,000 in as little as one week.
Qualification ParameterLender Requirements
Underwriting BasisEquity-based lending. Lincoln Capital lends to borrowers with assets. Loan qualification centers on the property's equity and value, not personal income documentation.
Property Types AcceptedSingle-family investment properties, multi-unit residential, condominiums, land, and commercial investment. Short sales and foreclosure properties accepted.
Deal ComplexityLincoln Capital specializes in complex scenarios including workouts, bankruptcies, and foreclosures that traditional lenders typically decline.
Geographic RequirementProperties must be located anywhere in Maine. Lincoln Capital serves the entire state.
How to ApplyApply at lincolncapital.me/apply-now or call the team directly at 207-772-7500.

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

Lincoln Capital underwrites based on property equity and asset value. Complex scenarios including short sales, foreclosures, and workouts are accepted. Loans of $100,000 to over $1,000,000 close in as little as one week. Apply at lincolncapital.me/apply-now or call 207-772-7500.
Stage / RequirementProcess & Timelines
Underwriting BasisEquity-based underwriting. Lincoln Capital lends to borrowers with assets. Deal approval is based on the property's equity and investment merit, not personal income history.
Deal ComplexityWorkouts, bankruptcies, foreclosures, and short sales all accepted. Lincoln Capital's creative financing expertise handles scenarios that traditional lenders decline.
Speed to CloseAs little as one week. Local Maine team with direct decision-making authority. No out-of-state committee review required.
ApplicationApply online at lincolncapital.me/apply-now or call the team directly at 207-772-7500.
Team ExperienceOver 100 years of combined real estate experience on the Lincoln Capital team. Maine market knowledge from nearly two decades of local lending.

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

Lincoln Capital's local Maine team coordinates draws directly with borrowers throughout construction and renovation projects. As an equity-based lender with over 100 years of combined real estate experience, the team provides hands-on project support from acquisition through completion.
Operational StepMethodology & Timelines
Draw ApproachLincoln Capital works directly with borrowers on construction and renovation draw schedules. As a local Maine lender, the team can coordinate inspections and disbursements without out-of-state delays.
Construction CoverageNew construction loans cover all phases - from land acquisition through final completion. Renovation loans also available for both residential and commercial properties.
Speed AdvantageEntire loan process can close in as little as one week. Local decision-making eliminates the committee delays common with out-of-state hard money platforms.
ContactCall 207-772-7500 or visit lincolncapital.me to discuss your draw schedule and project financing needs.