Real Estate & Commercial Financing Soulutions Build Around Your Deal

EXP Capitals helps investors, builders, churches, and business owners find funding options for acquisitions, refinancing, construction, bridge loans, and income-producing properties.

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Broad Lending Network

Access to multiple private-money lenders and capital partners.

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Diverse Loan Programs

Fix & Flip, Construction, Bridge, DSCR, Multifamily, Commercial & more.

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Multiple Asset Classes

Residential, multifamily, commercial, mixed-use, and specialty properties.

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Compliance-Minded Process

All programs subject to lender review, underwriting, and applicable regulations.

Loan Programs Built for Real Estate Investment

EXP Capitals works with lending partners to offer a broad spectrum of private-money and real estate financing programs. Available programs may vary by market, borrower profile, and property type.

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Fix & Flip

Short-term financing for acquisition and renovation of investment properties.

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Rehab Loans

Funds to renovate distressed properties and reposition for resale or rental.

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Hard Money Loans

Asset-based lending with speed and flexibility for experienced investors.

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Bridge Loans

Interim financing to bridge the gap between acquisition and permanent funding.

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Ground-Up Construction

Financing for new construction projects from lot to completion.

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Multifamily Properties

Loans for 2-20+ unit residential investment properties.

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Commercial Properties

Financing for retail, office, industrial, and mixed-commercial assets.

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Mixed-Use Properties

Combined residential and commercial property financing solutions.

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Rental Refinance

Cash-out and rate-term refinance for stabilized rental properties.

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DSCR Refinance

Debt-service coverage ratio loans based on property cash flow, not personal income.

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Adult Family Home Purchase and Refinance

Tailored purchasing and refinancing programs for operators of adult family homes, including SBA options.

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Church & Nonprofit Financing

Financing options for churches, nonprofits, and mission-driven organizations.

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First-Time Investor Programs

Entry-level programs designed for first-time investors and first-time fix & flippers.

Who We Help

EXP Capitals serves a diverse range of borrowers and partners across real estate investment, development, and community finance. Find your audience below.

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Real Estate Investors

Acquisition, bridge, and DSCR financing for active portfolios.

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Fix & Flippers

Fast, flexible financing to fund your next rehab project.

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Builders & Developers

Ground-up construction and lot loans for new development.

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Multifamily Investors

Loans for 2-20+ unit residential income properties.

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Adult Family Home Operators

Refinance and purchase programs for AFH operators.

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Churches & Nonprofits

Mission-aligned financing for religious and nonprofit organizations.

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Commercial Property Buyers

Financing for retail, office, industrial, and commercial assets.

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Brokers & Loan Originators

Submit deals and earn on private-money transactions you bring us.

How the Deal Process Works

EXP Capitals keeps the process clear and straightforward. Here's what happens after you submit your deal.

01

Submit Your Deal

Complete the borrower form with property details, loan purpose, and your financing needs.

02

Our Team Reviews It

We evaluate the deal scenario against available programs, collateral, and borrower profile.

03

We Package the File

Our team prepares and organizes the deal file to present to lending partners.

04

We Connect With Lending Partners

We match your scenario to appropriate private-money lenders and capital partners in our network.

05

We Help Move Toward Closing

We support the process through lender communication and file coordination - subject to lender approval and underwriting.

Important: How Our Programs Work

EXP Capitals is not a traditional bank. We offer private money lending support by leveraging a network of lending partners, capital partners, and financing relationships.

All loan programs, rates, terms, fees, approvals, loan amounts, LTV/LTC, DSCR requirements, closing timelines, and availability are subject to lender/investor review, underwriting, property eligibility, borrower qualification, market conditions, and applicable federal and state regulations. Available programs may vary. Qualification depends on borrower profile, property, collateral, experience, liquidity, credit, and underwriting.

Submission of an application or deal scenario does not guarantee approval or funding. Subject to lender review.

Ready to Move Forward?

Whether you're a borrower looking for your next financing solution or a broker ready to submit private-money deals, EXP Capitals is here to help. All programs subject to lender review and underwriting.

EXP Capitals offers assistance with private-money lending by collaborating with lending partners, capital partners, and financing relationships. It's important to note that EXP Capitals is not a bank. Loan programs, rates, terms, fees, approvals, loan amounts, LTV/LTC, DSCR requirements, closing timelines, and availability are all contingent upon lender or investor review, underwriting processes, property eligibility, borrower qualifications, prevailing market conditions, and relevant federal or state regulations. The submission of an application or deal scenario does not guarantee approval or funding. Broker compensation, referral fees, or origination fees may apply where permissible by law.

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