Capital Connect
Capital Connect is a private, asset-based hard money lender that provides 48-72 hour financing — including fix-and-flip, DSCR rental, new construction, and commercial bridge loans — to individual and SMB real estate investors across 32 U.S. states, using property-based underwriting rather than borrower credit or income verification.
- Company typePrivate
- Founded1982
- HeadquartersFort Worth, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Capital Connect does
Capital Connect is a private, asset-based hard money lender serving individual and SMB-scale real estate investors across the United States. The company originates short-term hard money loans for fix-and-flip and cash-out refinance transactions, long-term DSCR rental loans ranging from $100K to $10M, new construction financing with non-Dutch draw structures, commercial bridge loans, gap funding, and transactional double-close funding. Underwriting is asset-based: the company evaluates property value, exit strategy, and market fundamentals rather than borrower credit, income, or tax returns, which enables 48-72 hour closings on most programs. The company is headquartered in Fort Worth, Texas with an additional office in Keller, TX, and lends in 32 states plus Washington D.C., with core markets in Texas, Colorado, Arizona, Georgia, Tennessee, Utah, and North Carolina.
The underlying technology stack includes a FixNFlip Calculator mobile application (iOS and Android) for investor deal analysis and a web-based AI underwriting tool at capitalconnectai.com that validates ARV using comparable sales and checks LTV/LTC requirements to determine fundability. Capital Connect distributes exclusively through direct channels — its website, dedicated loan portals per product line, phone/text outreach, email, and a broker/referral partner network that pays 1-2 points per closed deal — without third-party resellers or marketplace distribution. Pricing is quote-based and varies by program, with DSCR rental loans starting at 6.85%, commercial bridge loans at approximately 10.75%, and short-term hard money loans starting at 11.49% in core states, supplemented by draw fees ($150-$350) and a 2% transactional funding fee.
The business model generates revenue primarily through interest income on originated loans across multiple loan programs, augmented by transaction-based fees (draw fees, transactional funding fees, extension fees) and referral payouts. The company is privately held, family-operated (Brewer family in funding roles), with no disclosed venture capital or institutional backing, and reports $100M+ in cumulative loans funded and 65,000+ homes/rentals financed. Customer acquisition relies on content marketing, organic social, and product-led growth tools (the mobile app and AI tool) feeding into a direct sales motion handled by named loan officers.
Capital Connect firmographics
Firmographics- Name
- Capital Connect
- Legal name
- Capital Connect
- Website
- https://capitalconnect.me
- Company type
- Private
- Founded year
- 1982
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Capital Connect is a private, asset-based hard money lender that provides 48-72 hour financing — including fix-and-flip, DSCR rental, new construction, and commercial bridge loans — to individual and SMB real estate investors across 32 U.S. states, using property-based underwriting rather than borrower credit or income verification.
- Ownership category
- akta.pro rank
Capital Connect industry classification
Industry- Product category
- Private Real Estate Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
- akta.pro secondary industries
- Commercial Mortgage Brokerage (FSAEAEAB), Middle-Market Lending (FSANADAI)
Keywords
Where Capital Connect is headquartered
LocationHeadquarters
- HQ city
- Fort Worth
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Capital Connect business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Hard Money Loan Interest: Short-term hard money loans for fix & flip investors with interest-based repayment. Loans close in 48-72 hours with asset-based underwriting.
- DSCR Rental Loan Interest: 30-year fixed or 5-10 year ARM rental loans for real estate investors. Revenue generated through interest on loans ranging from $100K to $10M.
- New Construction Loan Interest: Construction financing for builders and developers with draws released based on construction milestones.
- Commercial Bridge Loan Interest: 72-hour commercial and mixed-use bridge loans with rates approximately 10.75%, 12-month interest-only terms.
- Transactional Funding Fee: Double close service with 2% fee (minimum $2,000) plus wire and doc prep fees, funding up to 100% of transactional deals.
- Gap Funding Interest: Short-term loan to cover down payments or closing gaps up to $500K, credit >= 650, income >= $32K/year.
- Draw Fees: $150-$350 per draw depending on program and property location, charged when rehab funds are released.
- Referral Fees (Broker Partner Revenue): Registered brokers and referral partners earn 1-2 points per deal, paid at HUD/CD at closing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Short Term Hard Money Loans: 48-hour funding, 11.49% rate, no appraisals, no financials, no credit checks, TX, CO, AZ core markets |
| Subscription | Monthly | DSCR Rental Loans: 6.85%+ rates, 30-year fixed or 5-10 yr ARM, 80% LTV, no income docs, $100K-$10M |
| Other | Pay-as-you-go | New Construction Loans: up to 85% LTC with credit, 75% LTC asset-based, no appraisals, fast closings |
| Subscription | Monthly | Commercial Bridge Loans: ~10.75% rate, 75% LTC / 65% LTV, 12-month interest-only term, no prepayment penalty |
| Transaction based/ take rate | Pay-as-you-go | Transactional Funding: 2% fee (min $2,000), wire & doc prep fees, up to 100% funding |
| Other | Pay-as-you-go | Gap Funding: up to $500K, credit >= 650, income >= $32K/yr, 3-day funding |
| Other | Multi-year contract | Loan Extension Fee: 0.50 points (0.5%) for 6-month extension |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Capital Connect product offering
Product offeringCore offering
Capital Connect is a private, asset-based hard money lender that originates short-term real estate loans directly to investors. It provides fix-and-flip hard money loans, DSCR rental loans, new construction loans, commercial bridge loans, transactional funding for double closes, and gap funding, with closings in 48-72 hours and underwriting based on property value rather than borrower credit or income.
Product overview
Capital Connect is a private, asset-based hard money lender offering a comprehensive suite of real estate investment financing products. The portfolio includes Short Term Hard Money Loans for fix-and-flip projects, New Construction Loans, DSCR Rental Loans for long-term hold strategies, Commercial Financing for multifamily and commercial properties, Transactional Funding for double-close services, Gap Funding for closing gaps, and Business Credit solutions. The company also provides technology tools including a FixNFlip Calculator mobile app and an AI-powered deal underwriting platform at capitalconnectai.com. All loan products emphasize asset-based underwriting with fast closings (48-72 hours), minimal documentation requirements, and no appraisals or credit checks on select programs.
Differentiator
Problem solved
Functional benefit
Products and services
- Short Term Hard Money Loans Asset-based fix-and-flip and cash-out refinance loans with 48-hour funding, up to 90% LTC, no appraisals, credit checks, or financials required. Available in TX, CO, AZ, GA, TN, UT with nationwide coverage.
- New Construction Loans Construction financing with 72-hour closings, up to 100% construction funded, 75% total cost (asset-based) or up to 85% LTC with credit and experience. Offers horizontal and vertical financing options with no payments until funds are drawn.
- DSCR Rental Loans Long-term rental property financing using Debt Service Coverage Ratio qualification. Offers 30-year fixed or 5-10 year ARM terms, up to 80% LTV, no income docs required, with loan sizes from $100K to $10M.
- Commercial Financing Commercial and mixed-use bridge loans with 72-hour closing options, up to 75% LTC (asset-based) or up to 85% LTC with credit and liquidity. Covers multifamily, retail, office, and light industrial properties.
- Transactional Funding Double close service enabling investors to fund both the buy and sell transactions simultaneously. Features 2% fee (minimum $2,000) with wire and doc prep fees, up to 100% funding, no credit check.
- Gap Funding Short-term loan to cover down payments or closing gaps up to $500K. Requires credit of 650+ and income of $32K+/year with 3-day funding.
- Business Credit Lines and Cards Business credit solutions including 0% intro APR for 12 months on business cards, plus traditional business lines of credit (BLOCs) for businesses 2+ years old.
- FixNFlip Calculator Mobile App Mobile application available on Google Play and Apple App Store that enables real estate investors to analyze deals and apply for loans.
- AI-Powered Deal Underwriting Web-based tool at capitalconnectai.com that underwrites fix-and-flip deals using real underwriting logic, validating ARV with comparable sales and checking LTV/LTC requirements to determine fundability.
Quantifiable outcome
- 95% successful transaction exit rate vs. 75% industry average
- +3 more outcomes
Companies that use Capital Connect
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles4 records
Capital Connect technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Capital Connect partnerships and signals
Strategic signalScale indicators7 records
Recent moves5 records
Expansion highlights4 records
Capital Connect competitors and assessment
Company assessmentDirect peers
- Lima One Capital: National direct private lender focused on fix-and-flip, new construction, and rental (DSCR) loans for real estate investors. Closely mirrors Capital Connect's product suite and asset-based underwriting approach.
- Actium Partners: Private real estate lender providing short-term and bridge financing for fix-and-flip investors, directly overlapping Capital Connect's hard money bridge product.
- Visio Lending: DSCR-based rental property lender using debt service coverage ratio qualification rather than personal income docs, similar to Capital Connect's DSCR product positioning.
- LendingHome: Online hard money lender for fix-and-flip investors offering fast closings and asset-based underwriting. Direct head-to-head competitor to Capital Connect's short-term hard money loan product.
- CoreVest Finance: Private lender focused exclusively on rental/DSCR financing for single-family and small multifamily investors. Comparable to Capital Connect's DSCR rental loan product and broader investor portfolio strategy.
- Newfi Lending: Non-QM and DSCR-focused wholesale and correspondent lender with asset-based products for real estate investors. Comparable asset-based underwriting philosophy to Capital Connect.
Broad incumbents
- Kiavi (formerly LendingHome): Tech-enabled lender for real estate investors offering bridge, fix-and-flip, and rental financing nationwide. Larger and more institutionalized than Capital Connect but serving an overlapping customer base.
- Anchor Loans: One of the largest US private real estate lenders, specializing in fix-and-flip and rental/DSCR financing. Directly comparable to Capital Connect's core hard money and DSCR products, with a much larger national balance sheet and institutional capital relationships.
Emerging players
- Patch of Land: Real estate crowdfunding platform that funds fix-and-flip and renovation loans for investors, representing an alternative capital-pooling model in the same hard money space as Capital Connect.
- Deephaven Mortgage: Non-QM and DSCR lender serving real estate investors with asset-based qualification, comparable to Capital Connect's DSCR and rental portfolio offerings.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Capital Connect social profiles
Digital presenceCapital Connect financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital Connect leadership team
Management profileNumber of profiles
Profiles6 records
Capital Connect funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital Connect 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 Connect
What does Capital Connect do?
Capital Connect is a private, asset-based hard money lender that originates short-term real estate loans directly to investors. It provides fix-and-flip hard money loans, DSCR rental loans, new construction loans, commercial bridge loans, transactional funding for double closes, and gap funding, with closings in 48-72 hours and underwriting based on property value rather than borrower credit or income.
Is Capital Connect a public or private company?
Capital Connect is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Capital Connect founded?
Capital Connect was founded in 1982. It employs 1 to 10 people.
Where is Capital Connect based?
Capital Connect is headquartered in Fort Worth, United States, in the North America region.
How does Capital Connect make money?
Eight revenue lines are on record. Hard Money Loan Interest is the primary driver. The others are DSCR Rental Loan Interest, new Construction Loan Interest, commercial Bridge Loan Interest, transactional Funding Fee, gap Funding Interest, draw Fees and referral Fees (Broker Partner Revenue).
Who are Capital Connect's main competitors?
Direct peers on record are Lima One Capital, Actium Partners, Visio Lending, LendingHome, CoreVest Finance and Newfi Lending. Broad incumbents are Kiavi (formerly LendingHome) and Anchor Loans. Emerging players are Patch of Land and Deephaven Mortgage.
Does Capital Connect have an API?
No public API is recorded for Capital Connect.
What industry is Capital Connect in?
Capital Connect's product category is Private Real Estate Lending. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation, with a secondary code of FSAEAEAB, Commercial Mortgage Brokerage. Its NAICS code is 52231 and its SIC code is 6163.