Capital Three Sixty
Capital Three Sixty is a private direct lender offering real estate financing for residential investment and commercial properties, including fix & flip, bridge, construction, DSCR, and commercial loans nationwide, serving SMB and mid-market real estate investors through direct sales and a three-tier broker/affiliate/ISO partner program.
- Company typePrivate
- Founded2009
- HeadquartersAvon, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Capital Three Sixty does
Capital Three Sixty is a private direct lender headquartered in Avon, Connecticut, that finances residential investment and commercial real estate across most U.S. states. Founded around 2009 and operating with a 1-10 person team, the company offers a comprehensive loan product suite spanning residential fix & flip ($75K-$5M, 9-18 month terms, 9.99%-12.99% interest, 1.5%-3.0% origination), residential hard money bridge loans, ground-up construction loans, long-term DSCR loans (30-year terms), foreign national loans, residential portfolio loans ($250K-$10M), and commercial products including apartment, rehab, long-term, specialty, and bridge/construction loans up to $15M. Underwriting is low-documentation with property-based qualification criteria, often without personal income verification, and the company markets 5-day closings on qualifying fix & flip loans and 100% financing of rehab costs. The company claims 20+ years of industry experience and thousands of funded deals, lending across all U.S. states except MN, NV, ND, SD for residential programs.
The company's revenue model is driven by interest income on originated loans (9.99%-12.99% on short-term products) plus origination fees (1.5%-3.0%) and ancillary construction servicing fees. Loans are distributed through a direct channel — website application, phone sales, and inside sales — and a three-tier indirect channel comprising a Traditional Mortgage Broker Program (brokers access wholesale products with Capital Three Sixty handling appraisal, title, and closing), an Affiliate Referral Program (partners refer clients for referral fees), and a Direct ISO Program (originators operate under the Capital Three Sixty brand with access to pricing, CRM, and origination tools). Geographic exclusion lists vary by program; for example, commercial bridge and ground-up construction lending is restricted to 17 listed states.
Capital Three Sixty serves primarily residential and commercial real estate investors (SMB and mid-market), business owners seeking commercial property financing, foreign national investors, and mortgage broker/affiliate/ISO partners who originate loans. The technology stack is described as a direct real estate lending platform with no disclosed AI/ML, API, or proprietary underwriting automation capabilities beyond standard CRM and origination tools offered to ISO partners. Customer testimonials and case studies (Stratford CT $365K fix-and-flip, Columbia SC $575K 4-unit cash-out refinance, Denver CO $1.25M 8-unit apartment purchase) indicate deal sizes ranging from roughly $365K to $1.25M with a distributed volume profile rather than concentrated anchor clients.
Capital Three Sixty firmographics
Firmographics- Name
- Capital Three Sixty
- Legal name
- Capital Three Sixty
- Website
- https://capitalthreesixty.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Capital Three Sixty is a private direct lender offering real estate financing for residential investment and commercial properties, including fix & flip, bridge, construction, DSCR, and commercial loans nationwide, serving SMB and mid-market real estate investors through direct sales and a three-tier broker/affiliate/ISO partner program.
- Ownership category
- akta.pro rank
Capital Three Sixty industry classification
Industry- Product category
- Real Estate Lending
- NAICS
- Real Estate Credit (522292), Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Fix-and-Flip / Investor Rehab Financing (FSALAHAH)
- akta.pro secondary industries
- SME Commercial Real Estate (CRE) Lending (FSABABAG), Senior Secured Direct Lending (FSANADAA)
Keywords
Where Capital Three Sixty is headquartered
LocationHeadquarters
- HQ city
- Avon
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Capital Three Sixty business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Interest Income on Loans: Capital Three Sixty generates revenue primarily through interest charged on its real estate loans, including fix & flip loans (9.99%-12.99% interest rates), commercial loans, bridge loans, and long-term DSCR loans. Loan terms range from 9-36 months for short-term products to 30 years for long-term loans.
- Origination Fees: The company charges origination fees on loans, ranging from 1.50%-3.00% for residential fix & flip loans (adjusted to loan size, timing, and complexity), 2% for residential long-term loans, and 0.00%-3.00% for portfolio loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Residential Rehab Fix & Flip Loans: $75,000 - $5 Million, 9-18 month terms |
| Other | Pay-as-you-go | Residential Hard Money Bridge Loans: 12-24 month terms |
| Other | Pay-as-you-go | Residential Ground Up Construction Loans: $150,000 - $5 Million, 6-24 month terms |
| Subscription | Monthly | Residential Long Term DSCR Loans: $115,000+ property value, 30-year terms |
| Other | Pay-as-you-go | Residential Portfolio Loans: $250,000 - $10 Million |
| Other | Monthly | Commercial Long Term Loans: Various property types |
| Other | Monthly | Commercial Specialty Long Term Loans: $100,000 - $2 Million |
| Other | Pay-as-you-go | Commercial Bridge and Ground Up Construction: $500,000 - $15 Million, 12-36 month terms |
| Other | Pay-as-you-go | Commercial Rehab Loans: $250,000 - $2.5 Million |
| Other | Monthly | Commercial Apartment Loans: $325,000+ property value |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Capital Three Sixty product offering
Product offeringCore offering
Capital Three Sixty is a direct real estate lender providing financing for residential investment and commercial property transactions. Its product set includes fix and flip loans, bridge loans, ground-up construction loans, long-term DSCR rental loans, and commercial apartment loans, with up to 100% rehab financing, no appraisal requirement, closings in as few as 5 days, and no minimum prior experience requirement for borrowers.
Product overview
Capital Three Sixty is a direct lender providing real estate financing solutions for residential investment and commercial properties. The company operates as a unified lending platform offering two main product categories: residential loan programs (Fix & Flip, Bridge, Ground Up Construction, Long Term DSCR, Foreign National, and Portfolio Loans) and commercial loan programs (Apartment, Rehab, Long Term, Specialty Long Term, and Bridge/Construction Loans). Additionally, the company offers three partnership programs (Traditional Mortgage Broker, Affiliate Referral, and Direct ISO) for brokers, affiliates, and ISOs to distribute their lending products. All loan programs are low documentation, designed for investors, developers, and business owners with property-based qualification criteria rather than traditional income verification.
Differentiator
Problem solved
Functional benefit
Products and services
- Fix and Flip Loan Short-term financing for residential investors to purchase and rehabilitate a property for resale, featuring up to 100% rehab financing, no appraisal, closings in as few as 5 days, and no prior experience requirement. Targeted at real estate investors and house flippers.
- Bridge Loan Short-term transitional financing for real estate investors and developers to bridge acquisition or repositioning of a property until permanent financing or sale. Underwritten on asset value with fast closings and no appraisal requirement.
- Ground-Up Construction Loan Financing for new construction of residential investment properties from the ground up, structured to fund land acquisition plus vertical build costs. Designed for developers and builders of single-family or small multifamily investment projects.
- DSCR Loan Long-term rental property financing for investors underwritten on the property's debt service coverage ratio rather than the borrower's personal income. Targets landlords and rental property investors seeking long-term, income-based financing.
- Commercial Apartment Loan Financing for the acquisition or refinance of small commercial and multifamily apartment properties, suited to business owners, self-employed borrowers, and entity-based investors underwriting on property cash flow.
- Mortgage Broker Partner Program Wholesale partnership channel through which mortgage brokers submit loan files to Capital Three Sixty for fix-and-flip, bridge, construction, DSCR, and commercial lending products.
- Affiliate Partner Program Referral and revenue-share program that pays affiliates for qualified leads or funded loans originated through their referral to Capital Three Sixty's real estate lending products.
- ISO Partner Program Independent Sales Organization partnership channel allowing ISOs to submit and manage non-conforming real estate loan transactions under Capital Three Sixty's direct lending platform.
Quantifiable outcome
- Close in 5 days for qualifying fix & flip loans
- +2 more outcomes
Companies that use Capital Three Sixty
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles3 records
Capital Three Sixty technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Capital Three Sixty partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Mortgage Broker PartnerscoreTraditional Mortgage Broker Program allows mortgage brokers to access Capital Three Sixty's loan products to serve their clients directly. Brokers receive detailed quotes, easy loan processing, and approvals. Capital Three Sixty handles appraisal, title, and closing setup. Brokers are listed and paid on the HUD.
- Affiliate Referral PartnerscoreAffiliate Referral Program enables partners to register and refer clients to Capital Three Sixty. An account executive works directly with the referred client to complete the loan process, and the partner receives a referral fee upon closing.
- ISO (Independent Sales Organization) PartnerscoreDirect ISO Program allows originators to operate under the Capital Three Sixty brand with direct access to loan pricing, CRM, and origination tools. ISO partners maintain autonomy while benefiting from the Capital Three Sixty brand to grow their client base.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Capital Three Sixty competitors and assessment
Company assessmentDirect peers
- Kiavi: Kiavi is one of the largest tech-enabled direct lenders to residential real estate investors, offering fix & flip, bridge, and DSCR loans with similar product structure and target customer (real estate investors) as Capital Three Sixty.
- Roc Capital: Roc Capital is a direct private money lender specializing in fix & flip, new construction, and rental portfolio loans for real estate investors, overlapping directly with Capital Three Sixty's core product suite.
- Lima One Capital: Lima One Capital is a nationwide direct lender to real estate investors offering fix & flip, rental, and multifamily loans with comparable loan sizes and DSCR-based qualification to Capital Three Sixty.
- Anchor Loans: Anchor Loans is a California-based hard money lender focused on fix & flip and ground-up construction financing for residential investors, directly comparable to Capital Three Sixty's rehab and bridge products.
- CoreVest Finance: CoreVest Finance is a direct lender specializing in rental portfolio, single-family rental, and bridge loans to real estate investors, closely matching Capital Three Sixty's DSCR, portfolio, and bridge offerings.
- New Silver Lending: New Silver is a tech-enabled hard money lender to fix & flip and rental investors, offering similar loan sizes, speed, and DSCR-based qualification as Capital Three Sixty's investor loan programs.
- Groundfloor: Groundfloor is a real estate lending platform originating fix & flip loans to individual investors, with comparable product structure and target market as Capital Three Sixty's residential rehab program.
Emerging players
- PeerStreet: PeerStreet is a real estate debt platform that sources and packages bridge and fix & flip loans, intersecting with Capital Three Sixty's hard money lending products through a marketplace rather than direct balance sheet.
- Hometap: Hometap provides home equity investment and residential investment property financing, adjacent to Capital Three Sixty's DSCR and long-term investor loan products though focused on equity-based rather than debt-based capital.
- Patch of Land: Patch of Land is a real estate crowdfunding platform originating fix & flip and rental loans, overlapping with Capital Three Sixty's residential investor lending through a marketplace model rather than direct balance sheet lending.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Capital Three Sixty social profiles
Digital presenceCapital Three Sixty financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital Three Sixty leadership team
Management profileNumber of profiles
Capital Three Sixty funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital Three Sixty 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 Capital Three Sixty
What does Capital Three Sixty do?
Capital Three Sixty is a direct real estate lender providing financing for residential investment and commercial property transactions. Its product set includes fix and flip loans, bridge loans, ground-up construction loans, long-term DSCR rental loans, and commercial apartment loans, with up to 100% rehab financing, no appraisal requirement, closings in as few as 5 days, and no minimum prior experience requirement for borrowers.
Is Capital Three Sixty a public or private company?
Capital Three Sixty is a private company. It is classified as unknown and is currently operating.
When was Capital Three Sixty founded?
Capital Three Sixty was founded in 2009. It employs 1 to 10 people.
Where is Capital Three Sixty based?
Capital Three Sixty is headquartered in Avon, United States, in the North America region.
How does Capital Three Sixty make money?
Two revenue lines are on record. Interest Income on Loans are the primary driver. The others are origination Fees.
Who are Capital Three Sixty's main competitors?
Direct peers on record are Kiavi, Roc Capital, Lima One Capital, Anchor Loans, CoreVest Finance, New Silver Lending and Groundfloor. Emerging players are PeerStreet, Hometap and Patch of Land.
Does Capital Three Sixty have an API?
No public API is recorded for Capital Three Sixty.
What industry is Capital Three Sixty in?
Capital Three Sixty's product category is Real Estate Lending. Its primary akta.pro industry code is FSALAHAH, Fix-and-Flip / Investor Rehab Financing, with a secondary code of FSABABAG, SME Commercial Real Estate (CRE) Lending. Its NAICS code is 522292 and its SIC code is 6162.