Your Lender Shouldn't Be the Reason You're Losing Deals.
Capital Fund 1 is an asset-driven private lender that puts its name on every loan we make. We underwrite in-house, make our own decisions, and stand by our terms from the day we issue them to the day you close — as fast as 24 hours*. When you find the deal, our job is to make sure the financing moves with you.
The Difference You'll Feel on Every Deal
Hard money lenders all look the same on paper. Here's where we're different in practice — the specifics that actually matter when time is short and the deal is live.
We Close in 24 Hours*
Not "as fast as possible." Not "within the week." 24 hours*. We've built our entire operation around the speed deals demand — not the pace of a bureaucracy.
SpeedWe Stand Behind Our Terms
When we issue terms, we mean them. We underwrite in-house, make our own decisions, and see every loan through to close without shifting the goalposts. Our word is the deal.
Our Word Is the DealUp to 92.5% LTC**
More leverage means more deals with the same capital. CF Advantage covers up to 90% of purchase and 100% of rehab** — so you keep more dry powder available.
Maximum LeverageWe Reward Experience
The more deals you've done, the better your terms. Our programs are tiered to honor your track record — more projects means more leverage, better pricing, and a lender who recognizes what you've built.
Experience RewardedOne Originator, Start to Finish
You get a real person — reachable by phone and text before, during, and after close. Not a ticket queue, not a general inbox. Someone who knows your deal.
Direct AccessEvery Strategy, One Roof
Fix-and-flip, new construction, cash-out refi, DSCR rental — our full product suite covers every stage of your investing lifecycle without bouncing you to a different lender.
Full SuiteChoose the Program That Fits Your Strategy
From your fastest flip to your hundredth rental door, we have the right product for where you are and where you're going.
- Up to 92.5% LTC**
- 90% of purchase / 100% of rehab**
- Rates as low as 9.75%†
- Close in 24 hours* — not weeks
- 620+ FICO (soft pull)
- AZ · CO · TX · TN · GA · NC
- Up to 95% LTC** (10+ projects)
- 85% LTC** (3–9 projects)
- Rates as low as 8.99%†
- Close in ~2 weeks
- 680+ FICO (soft pull for terms)
- Near nationwide coverage
- Up to 80% LTV**
- 30-year fixed & ARM options
- DSCR as low as 1.0
- No red-tape underwriting
- 660+ FICO required
- $100K–$3M loan amounts
Capital Fund 1 vs. The Typical Hard Money Lender
Big promises are cheap. What separates us is execution — and the details that actually matter when a deal is live.
| Capital Fund 1 | Typical Lender | |
|---|---|---|
| Close timeline | As fast as 24 hours* | 5–14 business days |
| Experience recognition | Better terms as your track record grows | One-size fits all pricing |
| Terms reliability | We stand by what we issue | Subject to change before close |
| Loan decision | In-house, same day | External committee, delayed |
| Underwriting focus | Asset & deal — not just credit | Heavy financials required |
| Dedicated originator | Yes | ✕ Ticket queue |
| Investor-only focus | 100% | ✕ Mixed portfolio |
| Fix-and-flip + DSCR under one roof | Yes | ✕ Fragmented |
| Max leverage | Up to 92.5% LTC** | Typically 80–85% LTC |
From Contract to Funded in 3 Steps
No hoops, no mystery. We've stripped out everything that slows deals down.
Submit Your Contract
Fill out our online application and submit your purchase contract, photos, and planned improvements. No full package required upfront — takes under five minutes.
We Underwrite In-House
Our asset-driven team reviews your deal and can send terms the same day. No third-party appraisals, no extensive personal financials, no committee delays.
Loan Funded
Choose your closing date, gather escrow, title, and insurance. Funds wire at close — as fast as 24 hours* from approval when title is ready.
"The speed is real. I've closed deals others couldn't because my lender could actually move. That's the whole game when you're competing at scale."
Your Next Deal Deserves a Lender That Keeps Up
Get terms today. Our team responds fast — because that's how we're built.
Capital Fund 1, LLC · BK-0917799 · NMLS #396288 · Loans made or arranged by Capital Fund 1, LLC. This page does not constitute an application for a mortgage loan or an offer to lend. Investment properties only. Available in AZ, CO, TX, TN, GA & NC. *24-hour close available when title, escrow, and insurance are in place prior to funding; actual close timeline may vary by transaction. **Maximum leverage figures represent program limits; actual LTC/LTV subject to underwriting approval, property type, borrower experience, and market conditions. †Rates shown represent the lowest available rate tier; actual rate depends on loan program, borrower profile, property type, and market conditions. All terms subject to change without notice.