Funded Capital provides private lending for real estate investors, specializing in fix-and-flip loans, DSCR rentals, and new construction financing across 44 states.
Data compiled from public sources · Rating from CreditDoc methodology
Funded Capital, LLC is a real estate-focused private lending company that leverages technology to provide financing solutions tailored specifically to real estate investors. The company operates as a non-traditional lender alternative to banks and conventional mortgage providers, emphasizing speed and flexibility in the lending process.
Funded Capital offers six primary loan products: Fix and Flip financing for purchase and rehab of investment properties, New Construction financing for development projects, DSCR Rental loans based on property cash flow rather than personal income, Rental Portfolio consolidation loans, and Cash-Out Refinance options. The company advertises over $1 billion in active revolving funds and operates in 44 states. They promote "no doc" loan options that eliminate traditional documentation requirements like pay stubs and W-2s, and claim to close loans in 5-7 days or within their stated 10-day process.
The company differentiates itself through rapid closings, streamlined underwriting designed for investor-friendly high-leverage options, nationwide availability with local expertise, and a loan strategist model providing personalized guidance. Their marketing emphasizes investor focus, competitive rates, and elimination of traditional banking delays. Customer testimonials on their website highlight efficiency, professionalism, and personalized service from named loan officers (Luis Fajardo, Joshua Gonzales).
Funded Capital is a legitimate private lending company serving a specific market segment (real estate investors) with products distinct from traditional consumer lending. However, as a specialized business lender focused on investment properties rather than primary residences, this company is not relevant to general consumer finance needs. The "no doc" lending model, while marketed as convenient, carries inherent risks and typically results in higher rates to compensate for reduced verification. Their availability in 44 states indicates coverage gaps in some regions.
Yes. Funded Capital, LLC 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
Funded Capital is exclusively designed for real estate investors seeking expedited, flexible financing for investment properties—not for homebuyers or general consumers. The main caveat is that their no-documentation lending model and specialized focus on investor-only loans make them irrelevant for primary residence mortgages and general consumer finance needs; they operate in a distinct B2B lending niche.
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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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