Commonwealth Capital
Commonwealth Capital is a private, balance-sheet real estate lender that funds bridge loans, construction loans, lines of credit, and mini-perm mortgages for SMB real estate investors, developers, and business owners in nine US states and Washington D.C.
- Company typePrivate
- Founded2010
- HeadquartersHaverford, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Commonwealth Capital does
Commonwealth Capital (U.S.), Inc. is a private, balance-sheet real estate lender founded in 2010 by Jack Hoopes in Haverford, Pennsylvania, and led since 2013 by his son Chandler Hoopes as CEO. The firm lends directly on commercial and residential investment real estate in nine US states plus Washington D.C. (Pennsylvania, New Jersey, Connecticut, New York, Maryland, Delaware, Virginia, Florida, and DC), serving real estate investors, developers, and business owners who cannot qualify for traditional bank credit or require rapid closings. Loan products include Bridge Loans, Lines of Credit, Construction Loans, and Mini-Perm financing, with individual loan sizes ranging from $100,000 to $4,000,000, rates starting at 11.99%, terms typically of 1–3 years, interest-only amortization, LTVs up to 70%, and no prepayment penalties.
The company operates a traditional direct lending infrastructure rather than a proprietary technology platform; underwriting, funding, and servicing are all conducted in-house with no loan sales or securitization. Supporting staff totals 13 individuals including Co-Chairmen, C-suite leadership (CEO, President/Chief Lending Officer, COO/CFO, Chief Risk Officer, Chief Revenue Officer, General Counsel), and loan operations personnel with over 100 years of combined real estate investing experience. Distribution is achieved through online loan applications, a formalized referral partner program for brokers, attorneys, and accountants, blog and case-study content marketing, and a company LinkedIn presence.
Revenue is generated through interest income on held loans and origination/processing fees, including a documented 3% origination fee example. To date Commonwealth Capital reports funding over $250 million in commercial mortgage loans across more than 500 transactions. Growth has been augmented by mergers with three regional private lenders — Oak Leaf Financial, Frankel Financial, and Excel Financial — consolidating into one of the larger balance-sheet real estate lenders in its service region.
Commonwealth Capital firmographics
Firmographics- Name
- Commonwealth Capital
- Legal name
- Commonwealth Capital (U.S.), Inc.
- Website
- https://commonwealthcap.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Commonwealth Capital is a private, balance-sheet real estate lender that funds bridge loans, construction loans, lines of credit, and mini-perm mortgages for SMB real estate investors, developers, and business owners in nine US states and Washington D.C.
- Ownership category
- akta.pro rank
Commonwealth Capital industry classification
Industry- Product category
- Private Real Estate Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- SME Commercial Real Estate (CRE) Lending (FSABABAG)
- akta.pro secondary industries
- Private Credit / Direct Lending (FSAAAHAG), SME Term Loans & Growth Capital (FSAKAGAB), Middle-Market Lending (FSANADAI)
Keywords
Where Commonwealth Capital is headquartered
LocationHeadquarters
- HQ city
- Haverford
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Commonwealth Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income from Bridge and Construction Loans: The company generates revenue primarily through interest charged on bridge loans, construction loans, and lines of credit. Loans range from $100,000 to $4,000,000 with terms of 1-3 years. Interest rates start at 11.99% and vary based on loan type, term length, and risk profile of the project.
- Loan Origination and Processing Fees: The company charges origination fees on loans, with one example showing a 3% origination fee. Additional fees may include closing costs and other loan processing charges.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Bridge Loans - Short-term financing for acquisitions, renovations, and time-sensitive opportunities |
| Other | Pay-as-you-go | Lines of Credit - Revolving credit for working capital and real estate portfolio growth |
| Other | Pay-as-you-go | Construction Loans - Funding for ground-up construction and renovation projects |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Commonwealth Capital product offering
Product offeringCore offering
Commonwealth Capital is a direct private real estate lender that originates, funds, and services bridge loans, construction loans, lines of credit, and mini-perm financing secured by commercial and residential investment real estate. The company lends on its own balance sheet outside traditional bank underwriting standards, with loan amounts ranging from $100,000 to $4,000,000 and terms typically of 1-3 years. It targets real estate investors, developers, and business owners who cannot qualify for conventional credit or need rapid response financing.
Product overview
Commonwealth Capital offers a suite of private real estate lending products designed for commercial and residential real estate investors, developers, and business owners who need flexible financing outside traditional bank underwriting. The company's three core products are Bridge Loans, Construction Loans, and Lines of Credit, supplemented by a Mini-Perm product. All loans are secured by first mortgages on real estate collateral and are underwritten, funded, and serviced internally by the company. The products are designed for borrowers who cannot qualify for traditional credit or need rapid response times, with loan amounts ranging from $100,000 to $4,000,000 and terms typically between 1-3 years.
Differentiator
Problem solved
Functional benefit
Products and services
- Bridge Loans Short-term financing solution designed for real estate investors to quickly seize opportunities, fund acquisitions, or resolve critical business issues. These loans close rapidly and are secured by first mortgages on commercial and residential investment properties. Loan amounts range from $100,000 to $4,000,000 with terms of 1-3 years.
- Lines of Credit Revolving credit facilities providing ongoing access to capital for working capital needs, real estate portfolio growth, or property fix-and-flip projects. Secured by real estate collateral with flexible draw and repayment terms. Loan amounts range from $100,000 to $4,000,000 with variable rates starting at 11.99%, interest-only on drawn amounts, up to 70% LTV.
- Construction Loans Financing for ground-up construction and renovation projects for real estate developers and investors. Provides essential funding for both new construction and rehabilitation of existing properties. Loan amounts range from $100,000 to $4,000,000 with terms typically 1-3 years, interest only during construction phase, up to 70% LTV.
- Mini-Perm Short to medium-term commercial mortgage product that serves as an intermediate financing solution between bridge loans and traditional long-term permanent financing.
Quantifiable outcome
- Over $250 million in commercial mortgage loans funded to date
- +3 more outcomes
Companies that use Commonwealth Capital
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles4 records
Commonwealth Capital technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Commonwealth Capital partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights4 records
Commonwealth Capital competitors and assessment
Company assessmentDirect peers
- Anchor Loans: Direct private lender specializing in fix-and-flip and bridge financing for professional real estate investors, mirroring Commonwealth's speed-focused, investor-oriented model.
- Lima One Capital: Nationwide private lender offering bridge, fix-and-flip, new construction, and rental loans to real estate investors, closely matching Commonwealth's product suite and borrower profile.
- CoreVest Finance: Provides bridge, build-for-rent, and portfolio loans to real estate investors, overlapping with Commonwealth's investor-focused CRE lending though at larger institutional scale.
- RCN Capital: National private lender providing short-term bridge and construction loans for commercial and non-owner-occupied residential investment properties, directly comparable to Commonwealth's core products.
- Temple View Capital: Balance-sheet private lender offering bridge, construction, and business-purpose loans to real estate investors, closely comparable to Commonwealth's balance-sheet lending approach.
- Kiavi: Tech-enabled bridge and fix-and-flip lender for real estate investors; directly overlaps with Commonwealth's bridge and construction lending to non-conforming property investors, though larger and technology-driven.
- Roc360 (Roc Capital): Private lending platform funding bridge, fix-and-flip, and ground-up construction loans for real estate investors, directly aligned with Commonwealth's offering.
Broad incumbents
- Genesis Capital: Goldman Sachs-owned private construction and bridge lender for residential real estate developers; overlaps with Commonwealth's products but operates at far larger, institution-backed scale.
Regional players
- Rehab Financial Group: Pennsylvania-based private lender offering rehab and construction loans to real estate investors, operating in the same regional market as Commonwealth Capital.
- Asset Based Lending (ABL): New Jersey-based hard money lender providing fix-and-flip, bridge, and construction loans across the East Coast, competing in Commonwealth's core Northeast/Mid-Atlantic geography.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Commonwealth Capital social profiles
Digital presenceCommonwealth Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Commonwealth Capital leadership team
Management profileNumber of profiles
Profiles11 records
Commonwealth Capital subsidiaries and ownership
Company hierarchySubsidiaries3 records
Commonwealth Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Commonwealth 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 Commonwealth Capital
What does Commonwealth Capital do?
Commonwealth Capital is a direct private real estate lender that originates, funds, and services bridge loans, construction loans, lines of credit, and mini-perm financing secured by commercial and residential investment real estate. The company lends on its own balance sheet outside traditional bank underwriting standards, with loan amounts ranging from $100,000 to $4,000,000 and terms typically of 1-3 years. It targets real estate investors, developers, and business owners who cannot qualify for conventional credit or need rapid response financing.
Is Commonwealth Capital a public or private company?
Commonwealth Capital is a private company. It is classified as family owned and is currently operating.
When was Commonwealth Capital founded?
Commonwealth Capital was founded in 2010. It employs 1 to 10 people.
Where is Commonwealth Capital based?
Commonwealth Capital is headquartered in Haverford, United States, in the North America region.
How does Commonwealth Capital make money?
Two revenue lines are on record. Interest Income from Bridge and Construction Loans are the primary driver. The others are loan Origination and Processing Fees.
Who are Commonwealth Capital's main competitors?
Direct peers on record are Anchor Loans, Lima One Capital, CoreVest Finance, RCN Capital, Temple View Capital, Kiavi and Roc360 (Roc Capital). Genesis Capital is listed as a broad incumbent. Regional players are Rehab Financial Group and Asset Based Lending (ABL).
Does Commonwealth Capital have an API?
No public API is recorded for Commonwealth Capital.
What industry is Commonwealth Capital in?
Commonwealth Capital's product category is Private Real Estate Lending. Its primary akta.pro industry code is FSABABAG, SME Commercial Real Estate (CRE) Lending, with a secondary code of FSAAAHAG, Private Credit / Direct Lending. Its NAICS code is 522 and its SIC code is 6153.