Capstone Financial provides private money or “hard money” loans for Commercial real estate investments. As one of the premier hard money lenders, we provide secure funding for commercial and qualifying residential investments.

We can also offer you a nationwide commercial mortgage program for clients with hard money needs for a larger geographic area.

Commercial hard money programs are an opportunity for borrowers who do not qualify for our core programs to overcome adverse situations and obtain a commercial mortgage. Our softer hard money program will feature the same common-sense approach to lending as our standard programs, as well as the speed and attention to detail you trust.


We include the following property types for commercial hard money loans:

  • Apartment Complexes
  • Mixed-Use, primarily apartments
  • Industrial Buildings (Light)
  • Retail Shops
  • Strip Malls
  • Shopping Centers
  • Office Buildings

Being a quality private money or hard money lender, we understand that every client is unique and timing is everything, especially when it comes to investment properties. In Capstone Financial, you have a true professional private money lender for commercial and residential real estate investments.

We have been closing nonconforming commercial mortgages for years, and we’re excited to provide this softer hard money program that allows us to offer you more services and strengthen our relationship.

Capstone Express Program

Looking for flexible loan options? We’ve unveiled a new lending program: the Capstone Express program to help save you money!


  • 12.9%
  • 12-month terms
  • No experience required
  • 80% of Purchase
  • 100% of Rehab
  • Up to 65% ARV
  • 620 minimum credit score
  • Industrial Buildings
  • Retail Shops
  • Strip Malls
  • Shopping Centers
  • Office Buildings