Fast Commercial Bridge & Hard Money Loans, Funded with Our Own Money.

Indicative term sheets are typically delivered within 24 hours of intake review. Closings typically take about 2 weeks or less, subject to underwriting, valuation and how quickly diligence items come in.

No. We value properties in-house or with a broker price opinion (BPO) instead of ordering a full appraisal, which saves time.

No. We review credit as part of the overall picture, but there is no minimum score. The property, the leverage and the exit plan carry the most weight.

Less than a bank. We ask for the documents that explain the property, the plan and the borrower, and the list depends on the deal.

Our own. Veraciti Capital is a balance-sheet lender with no institutional capital behind its loans, so there are no outside investor guidelines or committees to satisfy. The team that reviews your deal makes the decision.

Current rates typically run from 10.99% to 12.99%, with 2 to 4 points. Rates are subject to change, market conditions and underwriting. Loans are typically $100,000 to $2,000,000; smaller loans, and larger loans up to $5,000,000, are considered case by case.

Yes. Our loans have a 12-month term, and one additional 6-month extension is available for 1 point, provided the loan is performing.

Multifamily (5+ units), mixed-use, retail and restaurant, office, light industrial and self-storage properties, plus high-end residential properties and single-family rentals of 1 to 4 units. Residential loans are for non-owner-occupied investment property only. All loans are business-purpose and subject to underwriting.

Yes. We finance owner-occupied commercial buildings as well as tenant-occupied ones. Tell us whether the business is an existing company adding a location or relocating, or a start-up. We prefer at least 2 years of strong financials: P&Ls, operating statements, business tax returns if available, and cash reserves to cover slower months. Start-ups can still be approved but should expect to bring at least 10% more down payment; that is not always the case, but terms may adjust without a performance track record. All loans are subject to underwriting. Residential properties must be non-owner occupied.

Yes to both. First-time investors and foreign nationals are welcome on business-purpose loans in the states we serve. A strong property, a realistic plan and a clear exit carry the most weight, subject to underwriting.

Yes. A personal guarantee is required on our loans, and carve-outs are considered case by case.

Yes, case by case. There is no required seasoning period, even right after a discharge, but leverage is reduced and we need strong evidence that the underlying cause has been resolved. Subject to underwriting.

No. We make first-lien bridge loans only. We do not offer ground-up construction, land, second-lien, mezzanine, DSCR or long-term rental loans. We can consider completing a project that is already under construction, and many borrowers refinance into a long-term loan with another lender as their exit.

We return phone calls within 2 hours during regular business hours, and we review applications and deliver indicative term sheets within 24 hours.

We lend only in Washington DC, Maryland, Virginia, Delaware, Pennsylvania, New Jersey and North Carolina.

A short-term asset-based loan secured by commercial real estate. Used to rapidly acquire assets, refinance existing debt, fund capital improvements, or stabilize a property prior to securing permanent financing.