Fair · Fast · Friendly

Fast Capital for Real Estate Investors

Private bridge loans, fix-and-flip funding, and construction capital — underwritten in-house with decisions in 24 hours. No bank red tape, no personal loans.

24hr
Pre-Approval
$50K–$5M
Loan Range
1st Lien
Always Required
Quick Pre-Qualification
Check Your Eligibility
Min $50,000 · Max $5,000,000
Capital Available68% allocated
256-bit encrypted · No credit pull · No obligation
✅
Pre-Qualified!

You're within our lending parameters. Complete the full application and our team will review within 24 hours.

—
Requested
24 hr
Decision
1st Lien
Position

← Start Over
Loan Programs
What We Fund

Four core loan products built for investors who move fast. All at first-lien position — no exceptions.

🔨
Fix & Flip
10–13%
Interest rate · 2–3 points
  • Up to 75% of ARV
  • 100% of rehab costs
  • 6–18 month terms
  • Close in 7–10 days
  • $50K – $3M
🌉
Bridge Loan
10–12%
Interest rate · 1–2 points
  • Up to 70% LTV
  • 3–24 month terms
  • Interest-only payments
  • Close in 5–7 days
  • $100K – $5M
🏗️
New Construction
11–14%
Interest rate · 2–3 points
  • Up to 70% of total cost
  • Draw schedule funding
  • 12–24 month terms
  • SFR & multifamily
  • $150K – $5M
Loan Calculator
Estimate Your Costs

Get a quick snapshot of what your monthly payment and total interest could look like. Adjust the sliders to fit your deal.

Monthly Payment (Interest-Only)
$4,792
per month
Loan Amount$500,000
Total Interest (full term)$57,500
Origination Fee$10,000
Estimated Total Cost$67,500
Balloon Payment at Maturity$500,000
Estimate only. Actual rates, fees, and terms are subject to underwriting approval and may vary. Contact us for a personalized quote.
The Process
Three Steps to Funding

We've stripped away the bureaucracy. Our in-house underwriting team moves fast so you can close on time.

01
⚡
Instant Pre-Qualification

Enter your email and loan amount. Our system checks current fund availability and deal size against our lending parameters in real time — no credit pull.

02
📋
Full Application & Docs

Complete the secure project application — property details, borrower background, deal financials, exit strategy, and encrypted document upload.

03
🏦
Underwriting & Close

Our team orders appraisal, reviews title, confirms first-lien position, and issues a term sheet. Most deals close in 7–14 business days.

Underwriting Standards
What We Evaluate

Every deal is underwritten against these criteria. We lend asset-first — the property is our primary collateral.

🏗️
Property & Collateral
  • Current as-is appraised value (certified MAI appraisal required)
  • After-Repair Value (ARV) — max 70–75% LTV against ARV
  • Property type: SFR, 2–4 unit, multifamily, mixed-use, commercial
  • Property condition report and scope of work
  • Environmental assessment if applicable
  • Clear title — no clouds, liens, or judgments
📊
Borrower Profile
  • Track record: number of completed deals (past 3 years)
  • Entity structure: LLC, LP, Corp — no personal loans
  • Personal financial statement & net worth verification
  • Liquidity check: 3–6 months reserves post-close
  • Background & credit review (soft pull only at intake)
  • References from previous lenders or partners
💰
Deal Financials
  • Purchase price + rehab budget (itemized by trade)
  • Projected profit margin — minimum 20% of ARV
  • Equity injection / skin-in-the-game requirement
  • Draw schedule for construction/rehab disbursements
  • Operating pro forma for rental holds
  • Cost segregation or rent roll if income-producing
🚪
Exit Strategy
  • Primary exit: sale at ARV, refinance into permanent debt
  • Secondary exit plan required for all deals
  • Market comparables supporting exit price
  • Days-on-market analysis for the submarket
  • Pre-sale or pre-lease agreements if available
  • Loan term aligned with realistic exit timeline
🔒

First-Lien Position — Non-Negotiable

Nest Capital exclusively holds first mortgage / deed of trust position on all loans. We will not participate in second-lien, mezzanine, or subordinated structures. Lender's title insurance is required on every transaction. Any existing liens must be paid off at or before closing, confirmed by the title company.

Borrower Reviews
What Investors Say

Real feedback from real estate investors who have closed deals with Nest Capital.

★★★★★

"Nest Capital funded my fix-and-flip in 9 days. My bank couldn't even schedule an appraisal in that time. They understood the deal, moved fast, and didn't bury me in paperwork."

MR
Marcus R.
Fix & Flip Investor · Atlanta, GA
★★★★★

"I've done 4 deals with Nest Capital over 18 months. The process is consistent, the terms are fair, and they actually pick up the phone. That matters when you're trying to close on a timeline."

SL
Sandra L.
BRRRR Investor · Charlotte, NC
★★★★★

"Our construction loan closed in 11 days. The draw schedule process was smooth and the underwriting team actually understood our project scope. Highly recommend for new construction."

JK
James K.
Ground-Up Developer · Nashville, TN
$10M+
Total Funded
9 Days
Avg. Close Time
0%
Default Rate
Geographic Coverage
Midwest Focus

Focused on the Midwest. We understand these markets and move fast in them.

KentuckyOhioIndianaAlabamaNorth CarolinaWest VirginiaVirginia
Common Questions
Frequently Asked

Everything you need to know before applying.

Do you lend to individuals or only entities? ▾
We lend exclusively to business entities — LLCs, LPs, and corporations. We do not originate personal loans or loans in an individual's name. If you don't have an entity formed, we recommend setting one up before applying.
What is the minimum credit score required? ▾
We are primarily asset-based lenders. While we do conduct a soft credit check, our approval decisions are driven more by the property value, deal structure, and your track record than by your credit score. Minimum 600 FICO is generally required.
How quickly can you fund a loan? ▾
Most loans close within 7–14 business days of a complete application. Bridge loans on stabilized properties can sometimes close in 5 days. Speed depends on how quickly you can provide documentation and how fast the appraisal is completed.
What is your maximum loan-to-value (LTV)? ▾
We lend up to 75% of ARV (After-Repair Value) on fix-and-flip deals and up to 70% LTV on bridge loans and rental acquisitions. For new construction, we fund up to 70% of total project cost including land.
Are your loans interest-only? ▾
Yes. All Nest Capital loans are structured as interest-only with a balloon payment due at maturity. This keeps your monthly obligations low during the project period. There is no amortizing principal payment.
Do you charge prepayment penalties? ▾
We do not charge prepayment penalties on any loan products. You pay off the loan when your project is complete and pay only the interest accrued to that date.
Why do you only take first-lien position? ▾
First-lien position means we are the senior secured creditor on the property. If there is a default, we have priority claim over all other creditors. This protects our fund and our investors. We will never subordinate our position to any other lender.
Can first-time investors apply? ▾
We will consider first-time investors on lower-leverage deals with strong collateral. However, we generally require experienced investors for larger or more complex projects. Having a strong general contractor and clear scope of work helps significantly.

Ready to Fund Your Next Deal?

Pre-qualify in 60 seconds — no credit pull, no obligation.