A&S Capital

What A&S Capital does

A&S Capital is a privately held, Florida-based balance sheet private lending company that originates short-term bridge loans and long-term DSCR-based rental financing to real estate investors and operators across the United States. Founded in 2017 by Alexis Agopian and Jorge Silberstein, the firm targets experienced real estate operators with products spanning fix-and-flip bridge loans, ground-up construction financing, multifamily value-add bridge loans, fix-to-rent and build-to-rent lifecycle products, and 1–10 unit rental DSCR loans. The company operates from a Miami, Florida headquarters and lends nationwide across at least 15 states, reporting cumulative loan originations exceeding $1.3 billion and zero delinquencies and zero defaults since inception.

The firm's technology stack centers on operational speed and draw transparency rather than AI. A proprietary blockchain-assisted draw process integrates geolocation technology and third-party Truepic photo/video inspection to enable draw releases within 24 hours of request, a differentiator in construction and renovation lending. A dedicated borrower portal at borrower.ascapital.us supports post-closing loan management, draw submission, and document access for existing clients, while the public website provides an online application workflow for new prospects. Loan pricing is quote-based and deal-specific, with no publicly disclosed rate sheets.

A&S Capital generates revenue primarily through interest income on originated bridge and DSCR loans, supplemented by origination and extension fees inherent to the lending transaction model. The go-to-market motion is direct and relationship-driven: borrowers contact the firm through email, phone, or online form, engage directly with decision makers (no middlemen), and access an in-house underwriting and loan committee structure for rapid approvals. Distribution leverages content marketing (a 50+ article blog), organic social media, networking events such as 'Drinks on Deck,' NPLA conference participation, and editorial coverage in The Real Deal. The firm is a member of the National Private Lenders Association (NPLA) and the American Association of Private Lenders (AAPL), and was recognized as NPLA Lender of the Year. With only 1–10 employees, A&S Capital is a capital-intensive, low-headcount operation that scales revenue through balance sheet deployment rather than labor.

Name

A&S Capital

Legal name

A&S Capital LLC

Website

https://ascapital.us

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

A&S Capital is a Florida-based private balance sheet lender providing bridge, construction, and DSCR rental loans to real estate investors nationwide, with over $1.3 billion in cumulative originations since 2017.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending

NAICS

Finance and Insurance (52)

SIC

Short-Term Business Credit Institutions (6153), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

akta.pro secondary industry

Land Acquisition, Lot Development & Construction Financing (AD&C) (FSALAHAI)

Keywords

• Private real estate lending
• Bridge loan financing
• DSCR rental loans
• Fix and flip lending
• Multifamily bridge loans

Headquarters

HQ city

Aventura

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Bridge Loan Interest: Short-term financing for fix-and-flip projects, ground-up construction, value-add multifamily, and rehabilitation. Revenue generated through interest on short-term bridge loans with terms typically aligned to project completion timelines
2. DSCR Rental Loan Interest: Long-term Debt Service Coverage Ratio (DSCR) based financing for 1-10 unit rental properties. Revenue generated through interest on stabilized rental property loans with longer terms
3. Refinancing and Cash-Out Loans: Refinance and cash-out financing solutions for existing properties, generating interest income on restructured debt

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

A&S Capital is a nationwide balance sheet private lender that directly originates short-term bridge financing and long-term DSCR rental loans to real estate investors. Its suite covers fix-and-flip, ground-up construction, value-add multifamily, and stabilized 1–10 unit rental properties, with rapid draw releases enabled by an in-house blockchain-assisted draw and geolocation inspection process. The company funds deals from its own balance sheet and underwrites through an in-house credit and origination team, targeting experienced investors across the United States.

Product overview

A&S Capital is a nationwide balance sheet private lending company offering a portfolio of real estate investment loan products. The product suite centers on short-term bridge financing (Fix and Flip - Bridge, Ground Up Construction, Multifamily Value Add Bridge, Fix To Rent, Build to Rent) and long-term rental financing (Rental Loans Long Term, Multifamily Long Term). Products range from single-family fix-and-flip loans to multifamily construction and value-add bridge loans, targeting experienced real estate investors across 1-200 unit residential and mixed-use properties nationwide.

Differentiator

Problem solved

Functional benefit

Products and services

• Fix and Flip - Bridge Short-term financing for real estate investors to buy and rehabilitate investment properties, including those requiring significant work, intended for resale (fix-and-flip).
• Rental Loans (Long Term) Long-term DSCR-based financing for 1–10 unit rental properties, covering single-family homes, multifamily units, condos, townhomes, and vacation rentals, supporting both long-term and short-term investment strategies in major markets.
• Ground Up Construction Short-term bridge financing for ground-up construction of 1–4 unit residential properties, used by investors and developers building single family or small multifamily homes.
• Fix To Rent Financing product for the fix-to-rent investment journey, combining short-term bridge financing with long-term rental loans to take a property from acquisition through final stabilization.
• Build to Rent Financing solution spanning from purchase through exit for build-to-rent investment strategies in residential rental properties.
• Multifamily Value Add Bridge Short-term financing for value-add multifamily properties, supporting acquisition, renovation, and repositioning strategies on 5+ unit apartment assets.
• Multifamily (Long Term) Long-term financing for multifamily properties, leveraging a broad network of financial institutions to offer tailored exit strategies and seamless long-term financing solutions for stabilized assets.

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered minor and core.

• American Association of Private LendersminorOthersProud member organization for private lending industry. Membership indicates adherence to industry standards and best practices for private lending operations.
• National Private Lenders Association (NPLA)coreOthersActive member of NPLA, participating in annual conferences and industry events. The company has attended NPLA conferences to network and share insights with other private lenders.
• The Real DealminorGTM or Marketing PartnerEditorial collaboration with The Real Deal publication for content marketing. A&S Capital co-authored sponsored content articles on multifamily investing published in the industry publication.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Kiavi: Tech-enabled private real estate lender (formerly LendingHome) offering bridge and DSCR rental loans to residential investors with similar asset-light, scale-driven origination model.
• Corevest Finance: Private lender focused on residential real estate investors, providing bridge and rental loans through balance sheet and capital partners — directly comparable in product, customer, and balance-sheet model.
• Roc Capital (Roc360): Private real estate lender providing bridge, fix-and-flip, and rental loans using own balance sheet and capital partner relationships — directly comparable to A&S Capital across products and customer type.
• Anchor Loans: One of the largest private fix-and-flip/bridge lenders in the U.S., using own balance sheet to fund real estate investor loans — direct competitor in bridge and rehab construction financing.
• Lima One Capital: Direct private real estate lender offering fix-and-flip, rental (DSCR), and new construction loans to investors nationwide with own balance sheet — virtually identical product mix to A&S Capital.

Broad incumbents

• NewRez (Newcastle Investment Trust / CoreVest): Large mortgage lender that, through CoreVest and other units, competes in the same private real estate investor bridge and rental loan space as A&S Capital but at greater scale via institutional capital.

Emerging players

• Patch of Land: Real estate-backed lending platform providing short-term capital to fix-and-flip and new construction investors; comparable customer and asset class, though operates a marketplace model rather than A&S's balance sheet approach.
• Figure Technologies: Tech-forward non-bank lender using blockchain/proprietary rails for home equity and other consumer credit; comparable in its use of proprietary draw/verification tech, though adjacent rather than a direct bridge lender.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about A&S Capital