Capital Prime Lending is a nationwide private money lender specializing in hard money loans for real estate investors, offering fix-and-flip, construction, bridge, DSCR, and multifamily financing with fast underwriting.
Data compiled from public sources · Rating from CreditDoc methodology
Capital Prime Lending operates as a direct private money lender focused exclusively on real estate investment financing rather than consumer lending. The company positions itself as a resource for real estate investors seeking alternative financing solutions outside traditional banking channels, claiming membership in the American Association of Private Lenders. Their service model emphasizes speed and flexibility in underwriting and funding decisions.
Capital Prime Lending offers six primary loan programs: Fix and Flip loans for renovation projects, Ground-Up Construction financing for new builds, Bridge loans for interim financing needs, DSCR (Debt Service Coverage Ratio) loans for income-producing properties, and Multifamily loans for apartment investments. The company claims to issue term sheets within 24 hours and guides borrowers through a six-stage process from initial scenario assessment through final funding. They use a platform called FRANK for document management and claim to provide personalized service with loan specialists available for consultation.
The company distinguishes itself through its stated rapid underwriting timeline, transparent term sheet process, and specialization in hard money lending—a niche market serving borrowers who may not qualify for conventional financing. They maintain a relatively simple online application process and offer multiple contact methods including phone and email for draw management and general inquiries. The company operates from a Miami-based phone number (305 area code) and maintains a professional website with clear program descriptions.
As a private money lender, Capital Prime Lending caters to a specific borrower segment: real estate investors and developers. However, the website lacks critical transparency about actual interest rates, loan terms, minimum credit score requirements, and typical loan amounts. The company does not disclose specific lending criteria, whether they perform credit checks, or how their rates compare to conventional lenders. The claim of potential "ZERO payments" requires email qualification and is not explained. Limited information exists about underwriting timelines beyond term sheet issuance, loan approval rates, or typical closing timeframes.
Yes. Capital Prime Lending is a registered company, headquartered in Miami, FL.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Capital Prime Lending is best for real estate investors and developers seeking private hard money loans for property acquisition, renovation, and construction projects who may not qualify for conventional bank financing. The main caveat is the complete lack of pricing transparency—interest rates, fees, and true loan costs are never disclosed on the website, making it impossible to evaluate whether terms are competitive or reasonable before contacting the company.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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