Tower Fund Capital
Tower Fund Capital is a New York-based direct private lender originating $100K-$20MM bridge, fix-and-flip, and cash-out refinance loans for real estate investors nationwide, with a focus on NY, NJ, CT, PA, and FL.
- Company typePrivate
- Founded2012
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Tower Fund Capital does
Tower Fund Capital is a New York-based direct private lender established in 2012 that originates short-term asset-based loans to real estate investors. The firm provides bridge loans, fix-and-flip financing, and cash-out refinance products in sizes from $100,000 to $20 million with 6-24 month terms, a 9.75% base rate, up to 75% LTV or 85% LTC, and no income verification, no DSCR minimum, and a 500 FICO floor. Loans are funded with the firm's own capital, supporting a claimed 24-hour approval and 10-day closing cycle. Distribution is hybrid: borrowers apply directly through towerfundcapital.com, while mortgage brokers, real estate attorneys, and loan originators submit deals through a dedicated partner onboarding program offering same-day LOIs and protected broker fees.
The company is privately held and founder-operated by Ed Gitlin, whose career in real estate dates to 1985 and includes predecessor entities Benjamin Realty Corp (acquired 1989), First Empire Funding Corp (founded 1994 as a mortgage banker), Landmark Abstract LLC (founded 2003 for title insurance), and Benjamin Fine Homes and Estates (founded 2005). At its 2007 peak, the predecessor brokerage operated 450 licensed salespeople and 70 support staff with $650 million in annual volume before being divested to Realogy in 2009, freeing the founder to focus on direct lending under the Tower Fund Capital brand. As of the latest available data the firm employs 1-10 people, has cumulatively funded approximately $140 million in loans backed by $253 million in secured assets, and focuses on NY/NJ/CT/PA/FL while serving borrowers nationwide.
The business model is interest income on the active loan book plus origination points and fees, with no external equity funding, parent company, or institutional investors evidenced. Marketing relies on a multi-channel digital presence (website, LinkedIn, Instagram, X, YouTube), press coverage in outlets including the NY Times, and industry training events such as 'Hard Money Lending 101' hosted at partner brokerages. The firm's value proposition centers on speed, documentation flexibility, and accessibility for borrowers — including foreign nationals and entity-owned acquisitions — that conventional bank lenders decline.
Tower Fund Capital firmographics
Firmographics- Name
- Tower Fund Capital
- Legal name
- Tower Fund Capital
- Website
- https://towerfundcapital.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Tower Fund Capital is a New York-based direct private lender originating $100K-$20MM bridge, fix-and-flip, and cash-out refinance loans for real estate investors nationwide, with a focus on NY, NJ, CT, PA, and FL.
- Ownership category
- akta.pro rank
Tower Fund Capital industry classification
Industry- Product category
- Private Lending / Hard Money Lending
- NAICS
- Other Investment Pools and Funds (5259)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Senior Secured Direct Lending (FSANADAA)
- akta.pro secondary industry
- Large-Cap / Sponsor Finance Direct Lending (FSANADAJ)
Keywords
Where Tower Fund Capital is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Tower Fund Capital business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Interest Income on Loans: Tower Fund Capital generates revenue by providing asset-based debt solutions to real estate investors. As a direct private lender and money fund, the company earns interest income on bridge loans, fix-and-flip loans, and cash-out refinance loans. Loans range from $100K to $20MM with terms of 6-24 months at base rates starting at 9.75%. The company acts as a liquidity provider in the real estate asset debt market.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Base rate loan product for real estate investors |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels7 records
Tower Fund Capital product offering
Product offeringCore offering
Tower Fund Capital is a direct private lender providing asset-based debt solutions to real estate investors through private equity fund programs. Its core offerings are bridge loans, fix-and-flip financing, and cash-out refinance loans sized from $100K to $20MM over 6-24 month terms at base rates starting at 9.75%, with up to 75% LTV / 85% LTC and no income verification or DSCR requirements.
Product overview
Tower Fund Capital operates as a direct private lender offering a unified platform of asset-based debt solutions for real estate investors. The core product portfolio consists of Private Equity Fund Programs encompassing bridge loans, fix & flip loans, and cash-out refinance products, all delivered through a streamlined digital application process with a companion broker partner program. Loan terms range from $100K to $20MM with 6-24 month terms, 9.75% base rates, and maximum 75% LTV or 85% LTC leverage. The company focuses on investment properties (non-owner occupied) and accommodates entity ownership, foreign nationals, and borrowers with FICO scores as low as 500.
Differentiator
Problem solved
Functional benefit
Products and services
- Bridge Loans Short-term financing for real estate investors needing quick capital to bridge between transactions or stabilize properties, with 6-24 month terms, up to 75% LTV, base rates starting at 9.75%, and no prepayment penalty.
- Fix and Flip Loans Investment property financing for renovation and resale projects, offering up to 85% LTC with no prepayment penalty and interest-only payments, designed for seasoned and novice real estate investors.
- Cash-Out Refinance Equity extraction product allowing real estate investors to pull cash from existing properties with no limit on cash-out amounts, with terms up to 24 months, flexible credit requirements, and base rates starting at 9.75%.
- Broker Partner Program Partner program allowing mortgage brokers, real estate attorneys, and loan originators to submit loans on behalf of clients, featuring same-day LOIs typically within one hour, competitive rates, protected broker fees, and dedicated broker onboarding.
Quantifiable outcome
- 24-hour loan approval
- +4 more outcomes
Companies that use Tower Fund Capital
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles3 records
Tower Fund Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Tower Fund Capital partnerships and signals
Strategic signalScale indicators5 records
Recent moves9 records
Expansion highlights5 records
Tower Fund Capital competitors and assessment
Company assessmentDirect peers
- Lima One Capital: Direct private lender to real estate investors offering bridge, fix-and-flip, and rental loans. Highly comparable business model, customer base, and product set to Tower Fund Capital.
- Kiavi: Technology-enabled direct lender (formerly LendingHome) providing bridge and fix-and-flip financing to real estate investors. Comparable product suite and target borrower, with a more tech-driven origination stack.
- CoreVest Finance: Specialty private lender to residential investors, offering bridge, fix-and-flip, and rental portfolio loans. Comparable focus on the same SMB real estate investor segment.
- RCN Capital: Direct private lender providing bridge, fix-and-flip, and rental financing to real estate investors nationwide. Closely comparable hard money product mix and broker-channel strategy.
- Anchor Loans: California-based hard money lender providing bridge and fix-and-flip loans to real estate investors. Comparable product and underwriting profile, with stronger regional concentration on the West Coast.
- Patch of Land: Online marketplace and direct private lender for real estate investment loans, combining balance-sheet funding with a broker/partner network. Comparable hard money product set.
Emerging players
- Groundfloor: Real estate investment platform offering short-term, asset-backed debt products to individual and small-scale investors. Comparable asset-backed debt underwriting though serving smaller-balance borrowers.
- Fund That Flip: Online lending platform originating and securitizing fix-and-flip loans for real estate investors. Comparable hard money product focus with a more diversified, tech-enabled origination model.
Broad incumbents
- NewRez (formerly New Penn Financial): Large multi-channel mortgage lender with a non-QM and investor loan product suite. Overlaps with Tower Fund in serving real estate investors but at much greater scale and with agency-eligible programs.
- Angel Oak Mortgage Solutions: Non-QM and investor loan provider serving real estate investors and self-employed borrowers through a wholesale broker channel. Comparable focus on non-conforming borrowers in real estate.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Tower Fund Capital social profiles
Digital presenceTower Fund Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tower Fund Capital leadership team
Management profileNumber of profiles
Profiles1 record
Tower Fund Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tower Fund Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tower Fund Capital
What does Tower Fund Capital do?
Tower Fund Capital is a direct private lender providing asset-based debt solutions to real estate investors through private equity fund programs. Its core offerings are bridge loans, fix-and-flip financing, and cash-out refinance loans sized from $100K to $20MM over 6-24 month terms at base rates starting at 9.75%, with up to 75% LTV / 85% LTC and no income verification or DSCR requirements.
Is Tower Fund Capital a public or private company?
Tower Fund Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Tower Fund Capital founded?
Tower Fund Capital was founded in 2012. It employs 1 to 10 people.
Where is Tower Fund Capital based?
Tower Fund Capital is headquartered in New York, United States, in the North America region.
How does Tower Fund Capital make money?
One revenue line is on record: interest Income on Loans.
Who are Tower Fund Capital's main competitors?
Direct peers on record are Lima One Capital, Kiavi, CoreVest Finance, RCN Capital, Anchor Loans and Patch of Land. Emerging players are Groundfloor and Fund That Flip. Broad incumbents are NewRez (formerly New Penn Financial) and Angel Oak Mortgage Solutions.
Does Tower Fund Capital have an API?
No public API is recorded for Tower Fund Capital.
What industry is Tower Fund Capital in?
Tower Fund Capital's product category is Private Lending / Hard Money Lending. Its primary akta.pro industry code is FSANADAA, Senior Secured Direct Lending, with a secondary code of FSANADAJ, Large-Cap / Sponsor Finance Direct Lending. Its NAICS code is 5259 and its SIC code is 6162.