Common Questions

Bridge loan rates at Fintek Capital range from 8% to 11% depending on asset class, LTV, location, and borrower experience. Multifamily and industrial typically qualify for the lowest rates (8.5–10.5%). Hotel and special-use assets typically range from 9.5–12%. Use our Loan Estimator for a real-time rate indication tailored to your specific deal.

Fintek Capital closes bridge and hard money loans in 7–14 business days. Hard money can close in 5–7 days. Our direct lending model eliminates committee delays and broker layers. Construction loans typically close in 14–21 days. SBA loans take 45–60 days.

No. Bridge, hard money, and DSCR loans at Fintek Capital do not require personal income verification. No tax returns, no W-2s. Qualification is based on the property's value, cash flow, and borrower experience. Ideal for self-employed investors and those with complex income structures.

Fintek Capital's minimum commercial loan size is $2,000,000. There is no stated maximum — we have funded transactions up to $50M+ and can structure consortium arrangements for larger deals.

Yes. Fintek Capital specializes in bridge refinancing for properties in special servicing or facing CMBS maturity defaults. Early engagement — before foreclosure proceedings begin — preserves the most options. The special servicer's objective is to maximize recovery, not necessarily foreclose. A credible capital solution presented early creates leverage to negotiate favorable terms.

Multifamily, office, retail, industrial, hotel/hospitality, mixed-use, self-storage, land, and special-use properties all qualify. Max LTV varies by asset class: multifamily and industrial (75%), office and mixed-use (70%), retail and hotel (65%), land (50%). All 50 states.

A DSCR (Debt Service Coverage Ratio) loan qualifies based on the property's rental income rather than the borrower's personal income. The DSCR is calculated as: Annual NOI ÷ Annual Debt Service. Most lenders require 1.20–1.25x minimum. Fintek Capital's DSCR program has no income verification, no tax returns required, and qualifies self-employed investors based solely on property cash flow.

Yes. Fintek Capital provides commercial lending services in all 50 U.S. states with no geographic restrictions. We are headquartered in Sheridan, Wyoming with a regional office in Madison, Alabama. Call (307) 533-7712 or email [email protected] for any state.

Hotel PIP (Property Improvement Plan) bridge loans fund mandatory franchise renovations required by hotel brands. Fintek Capital structures these with renovation holdbacks released as work is completed and verified, protecting both the borrower and lender. This preserves franchise flags and prevents the brand from terminating the franchise agreement during renovation.

Three ways: (1) Call (307) 533-7712 for an immediate conversation. (2) Submit a Soft Quote — 3-minute form, no credit pull, term sheet in 24–48 hrs. (3) Use the Loan Estimator to get a rate indication first. We respond to every inquiry within one business day.

Both are short-term, asset-based loans, but bridge loans typically offer lower rates (8–11%), slightly longer terms (12–24 months), and close in 7–14 days, while hard money prioritizes maximum speed (5–7 days) at higher rates (9.5–12%) for the most time-sensitive deals. Bridge suits value-add and stabilization; hard money suits auctions, foreclosure payoffs, and ultra-fast closes. Compare bridge loans →

Yes. Because Fintek Capital's bridge, hard money, and DSCR loans are asset-based, approval depends primarily on the property's value, cash flow, and your exit strategy — not your credit score. Past credit events do not automatically disqualify you. Strong equity and a credible business plan matter more than FICO.

Bridge loans are sized by loan-to-value (LTV), so your equity requirement is the inverse of the max LTV for your asset class. With up to 75% LTV on multifamily and industrial, you would contribute roughly 25% of value. Office and mixed-use (70% LTV) require ~30%, and land (50% LTV) requires ~50%. SBA loans require as little as 10% down. Use the Loan Estimator to see your numbers.

A DSCR (Debt Service Coverage Ratio) of 1.25x or higher is considered strong — it means the property's net operating income is 25% greater than its annual debt service. Most lenders require a minimum of 1.20–1.25x. A DSCR below 1.0x means the property does not generate enough income to cover the loan payment. Learn more about DSCR loans.

Yes. While experience strengthens an application, Fintek Capital finances first-time commercial real estate investors when the deal fundamentals are sound — adequate equity, a stabilized or clearly improvable asset, and a realistic exit. We guide first-time borrowers through structure, reserves, and timeline. Read our guide on your first CRE acquisition.