314 Capital Partners

Name

314 Capital Partners

Legal name

314 Capital Partners, Inc.

Website

https://314capitalpartners.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Real Estate Investment Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSALADAH

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

Financial & Insurance/Mortgage & Housing Finance/Commercial & Multifamily Mortgage Lending

SECONDARYBPAJANAE

Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing)

Business & Public Services/Real Estate Services (Brokerage, Property Management)/Real Estate Advisory & Consulting (Investment, Strategy)

Keywords

• Real estate investment lending
• Fix and flip financing
• Rental property loans
• Commercial investment lending
• Bridge financing

Headquarters

HQ city

Washington

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, Infrastructure, Marketing or Sales

Revenue model

1. Loan Interest Income: Interest income from originating and servicing short-term and long-term investment property loans including fix-and-flip, rental, multi-family, small balance commercial, and luxury real estate loans. Revenue generated through interest rates ranging from 5.75% to 8%+ depending on loan program and risk profile.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels1 record

Core offering

314 Capital Partners directly originates and services short-term and long-term loans for residential and commercial investment properties, including single-family rental, fix-and-flip, multi-family/mixed-use, small-balance commercial, luxury, and rental portfolio programs. The company positions itself as a lower-cost alternative to hard money lenders, emphasizing fast closings and flexible investor-focused underwriting.

Product overview

314 Capital Partners operates as a real estate investment lending platform offering six distinct loan programs: Rental SFR Program, Fix & Flip Program, Multi-Family/Mixed Use Program, Small Balance Commercial Program, Luxury Program, and Rental Portfolio Program. These programs collectively serve residential and commercial real estate investors through short-term and long-term financing solutions including acquisition financing, renovation/rehabilitation financing, bridge financing, and cash-out refinancing. The company's offerings range from $100,000 to $10,000,000 loan amounts, targeting fix-and-flip investors, rental property owners, multi-family investors, commercial property investors, and luxury property developers.

Differentiator

Problem solved

Functional benefit

Products and services

• Rental SFR Program Long-term rental financing program for single-family rentals, townhomes, 2-4 unit properties, and condos with rates from 5.75% (fixed), up to 80% LTV (75% for cash-out), $100K-$3.5M loan amounts, 3+ year terms, and up to 30-year amortization. Designed for residential investors expanding rental portfolios or accessing equity from existing rentals.
• Fix & Flip Program Short-term acquisition and renovation financing for SFR, 2-4 unit, townhome, and condo fix-and-flip projects. Rates from 8%+, acquisition financing up to 100% LTV (max 65-70% ARV), rehab financing up to 100% of costs, $300K-$5.5M loan amounts, 6-12 month interest-only terms. Targets investors acquiring, renovating, and reselling residential properties for profit.
• Multi-Family/Mixed Use Program Financing program for multi-family properties (5+ units), mixed-use, and condo conversions. Rates from 6.75%+, up to 80% LTV, $1M-$5M loan amounts, interest only or 30-year amortization, minimum FICO 650. Serves investors in mid-size multi-family and mixed-use assets.
• Small Balance Commercial Program Commercial lending program for retail, mixed-use, office, warehouse, self-storage, medical office, shopping center, light industrial, and auto repair facilities. Rates from 6%+, up to 75% LTV, $1M-$7.5M loan amounts, up to 30-year fixed term, interest only or 30-year amortization, minimum FICO 600, cash-out up to $5MM.
• Luxury Program Super-jumbo investment lending program for developer spec construction, high-end renovation, and bridge financing on luxury investment properties. Financing up to 65% LTV, $1M-$10M loan amounts, 1-3 year terms, interest only; owner-occupied minimum loan size $2.5MM.
• Rental Portfolio Program Portfolio loan program allowing investors with 5+ rental properties to cross-collateralize SFR, townhome, 2-4 unit, condo, multi-family, and commercial properties into a single loan with financing up to 75% of property value. Serves investors who have hit limits on the number of properties financed by traditional lenders.

Quantifiable outcome

• Fast closings: 10-14 business days for most transactions
• +1 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Realtors/Mortgage BrokerscoreChannel Partner/ Reseller/ DistributorReferral partnership network where realtors and mortgage brokers direct clients whose financing was declined or fell through. Over 20% of 314 Capital's business comes from loans turned down by other lenders. Partners benefit from fast, simple process and flexible terms for their clients.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Others

• Balance Point Capital: Private credit and capital markets advisory firm focused on commercial real estate debt and structured finance — comparable to 314 Capital on the commercial real estate debt side, providing a reference point for debt sourcing and capital markets advisory.

Broad incumbents

• A&D Mortgage: Non-QM lender offering DSCR rental, fix-and-flip, and investor products distributed via brokers — overlapping 314 Capital's investor segments and broker-channel model at a larger scale.
• Angel Oak Mortgage Solutions: Non-QM and investor loan program provider that originates through a broker network — comparable to 314 Capital's wholesale/channel distribution model and product mix for non-traditional borrowers, with deeper balance sheet.
• NewRez (Rithm Capital): Large non-QM and investor mortgage lender offering fix-and-flip, DSCR rental, and other investor products — overlapping 314 Capital's offerings but as part of a much broader residential mortgage platform with greater capital and technology scale.

Direct peers

• CoreVest (a Rithm Capital company): Specialty lender for residential real estate investors offering rental, fix-and-flip, and portfolio loans — closely comparable to 314 Capital's investor-focused programs and similar broker-channel distribution model.
• Kiavi: Formerly LendingHome, Kiavi is a leading online direct lender for residential real estate investors offering fix-and-flip and rental loans — directly overlapping 314 Capital's core products with similar borrower profiles and similar loan sizes.
• Lima One Capital: Direct private lender to real estate investors offering fix-and-flip, rental, and new construction loans — competing head-to-head with 314 Capital's SFR, Fix & Flip, and Multi-Family programs in the same borrower segment.
• Visio Lending: Direct rental property lender for single-family and small multifamily investors — overlapping 314 Capital's Rental SFR, Multi-Family, and Rental Portfolio programs with a similar non-QM borrower focus.
• Roc Capital: Private direct lender focused on real estate investors with fix-and-flip, rental, and portfolio loan products — comparable target market and product mix to 314 Capital, particularly in the alternative-to-hard-money positioning.

Emerging players

• Groundfloor: Real estate investment and lending platform serving individual and small-scale investors with short-term fix-and-flip and rental exposure — partially overlapping 314 Capital's fix-and-flip investor segment through a tech-enabled origination model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/314-capital-partners

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 314 Capital Partners