clear to close capital

Hard Money / Private Real Estate Lendingcleartoclosecapital.com

Clear To Close Capital is a private Atlanta-based hard money lender founded in 2020 that provides real estate financing to SMB investors nationwide, offering fix & flip, DSCR, new construction, multifamily, commercial loans, and business funding products distributed via a 100+ lender marketplace partnership with 7FC.

Company typePrivate
Founded2020
HeadquartersAtlanta, United States
Headcount1–10
GTM typeB2B
OfferingServices

What clear to close capital does

Clear To Close Capital is a private, founder-led hard money lending company headquartered in Atlanta, Georgia, founded in 2020. It provides private real estate financing to individual and SMB real estate investors across the United States through six core loan products: fix & flip ($50K-$5M with up to 100% financing), DSCR and cash-out refinances (starting at $50K, 30-year terms), new construction (rates starting at 8.99%, 18-24 month deferred payments, up to 95% LTC), multifamily ($75K-$25M+), commercial ($200K-$35M+), and business funding (MCAs, SBA loans, business LOCs, equipment financing) distributed via a marketplace of 100+ lenders.

The company operates a sales-led go-to-market combining direct sales engagement, inside sales (phone/email, Mon-Fri 9AM-6PM EST), and a self-serve digital application portal. Its core technology includes a proprietary soft-credit-pull pre-qualification system (via its 7FC partnership) that does not impact applicant credit scores, and an integrated funding marketplace that routes business funding applications across 100+ lenders. Underwriting differentiation is asset-based and investor-friendly (LLC/entity borrowing allowed, deferred payments, no income verification on DSCR, 100% financing on qualified deals).

Revenue is generated primarily through interest on originated hard money loans (rates starting at 8.99%) and origination/facilitation fees on business funding products routed through the 7FC marketplace. Closings range from 48 hours (fix & flip with clear title) to 15-25 days (commercial), positioning speed as the central competitive lever against traditional bank financing. The firm has funded "hundreds of investors nationwide" since founding and operates across approximately 45-50 U.S. states.

clear to close capital firmographics

Firmographics

Name: clear to close capital
Legal name: Clear To Close Capital
Website: https://cleartoclosecapital.com
Company type: Private
Founded year: 2020
Operating status: Operating
Headcount range: 1–10 employees
Short description: Clear To Close Capital is a private Atlanta-based hard money lender founded in 2020 that provides real estate financing to SMB investors nationwide, offering fix & flip, DSCR, new construction, multifamily, commercial loans, and business funding products distributed via a 100+ lender marketplace partnership with 7FC.
Ownership category
akta.pro rank

clear to close capital industry classification

Industry

Product category: Hard Money / Private Real Estate Lending
NAICS: Real Estate Credit (522292), Sales Financing (52222)
SIC: Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153), Loan Brokers (6163)
akta.pro primary industry: Middle-Market Lending (FSANADAI)
akta.pro secondary industries: Large-Cap / Sponsor Finance Direct Lending (FSANADAJ), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

Hard money lending
Real estate investment funding
Fix and flip loans
Private real estate lending
Bridge financing

Where clear to close capital is headquartered

Location

Headquarters

HQ city: Atlanta
HQ country: United States
HQ region: North America

Offices1 record

Markets served

clear to close capital business model

Business model

GTM type: B2B
Offering type: Services
Cost components: Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

Hard Money Loan Interest: Clear To Close Capital generates revenue through interest charged on hard money loans for real estate investments including fix & flip, DSCR, new construction, and commercial properties. Interest rates start at 8.99% for new construction loans.
Business Funding Facilitation: The company facilitates business funding through a marketplace of 100+ lenders, offering various financing products including business lines of credit, MCA loans, SBA loans, equipment financing, and transactional/gap funding. Revenue is generated through origination and facilitation fees.

Pricing tiers

Model	Billing	Price
Subscription	Multi-year contract	New Construction Loans - Interest Rates Starting at 8.99%
Subscription	Multi-year contract	DSCR Loans - Starting at $50,000+
Subscription	Multi-year contract	Fix & Flip Loans - Up to 100% Financing
Subscription	Multi-year contract	Multifamily Loans - $75,000 to $25,000,000+
Subscription	Multi-year contract	Commercial Loans - $200,000 to $35,000,000+

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

clear to close capital product offering

Product offering

Core offering

Clear To Close Capital is a nationwide hard money lender providing private real estate funding to real estate investors. The company originates short-term and long-term loans for fix & flip, DSCR rental, new construction, multifamily, and commercial investment properties, with loan sizes ranging from $50,000 to $35,000,000+. It also distributes business funding products (lines of credit, MCA, SBA loans, equipment financing) via a marketplace of 100+ lenders.

Product overview

Clear To Close Capital is a nationwide hard money lender providing private real estate funding for fix-and-flip investors, wholesalers, and real estate entrepreneurs. The company operates as a unified lending platform offering six core loan products: Business Funding (working capital, MCA, SBA loans), Commercial Loans ($200K-$35M+ for income-producing properties), Fix & Flip financing ($50K-$5M with 100% options), DSCR and Cash Out Refinances ($50K+ rental-property-based qualification), New Construction loans (up to 95% LTC for ground-up builds), and Multifamily loans ($75K-$25M+ for 2+ unit properties). All products emphasize fast approvals (24-48 hours), quick closings (as fast as 48 hours to 20 days), flexible terms, and investor-friendly structures.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

Pre-approval in 24 hours, closings in as little as 48 hours for fix & flip loans
+4 more outcomes

Companies that use clear to close capital

Customer profile

Named customers3 records

Segments6 records

Ideal customer profiles5 records

clear to close capital technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature2 records

clear to close capital partnerships and signals

Strategic signal

Partnerships

One partnership is on record.

7FCcoreTechnology or IntegrationClear To Close Capital uses 7FC's proprietary funding marketplace platform and soft credit pull technology to connect loan applicants with over 100 lenders. The partnership enables pre-qualification without credit impact and access to diverse funding products including business lines of credit, MCA loans, SBA loans, and equipment financing.

Scale indicators6 records

Recent moves5 records

Expansion highlights3 records

clear to close capital competitors and assessment

Company assessment

Direct peers

Patch of Land: Online marketplace and direct hard money lender for residential real estate investors. Comparable target customer, fix & flip focus and speed-of-closing value proposition.
CoreVest Finance: Specialized DSCR and rental portfolio lender for residential real estate investors. Direct overlap with Clear To Close Capital's DSCR, cash-out refinance and multifamily products.
Groundfloor: Crowdfunded fix & flip lender serving individual and small-scale real estate investors. Competes in the same low-friction, fast-closing segment as Clear To Close Capital's fix & flip product.
Kiavi: Leading technology-enabled hard money lender for residential real estate investors, focused on fix & flip and rental (DSCR) loans. Directly competes with Clear To Close Capital's core product set, with greater scale and institutional funding.
Easy Street Capital: Private lender offering fix & flip, rental portfolio and new construction loans to real estate investors. Closely matches Clear To Close Capital's product set and investor-friendly underwriting approach.
Lima One Capital: Direct hard money lender offering fix & flip, new construction, rental and multifamily loans to real estate investors nationwide. Closely comparable in product breadth and target borrower to Clear To Close Capital.
RCN Capital: Nationwide private lender providing fix & flip, rental, multifamily and commercial loans. Direct competitor across nearly all of Clear To Close Capital's core loan products.
Visio Financial: Private lending platform focused on fix & flip and bridge financing for real estate investors. Competes in the same speed-and-flexibility niche as Clear To Close Capital's short-term loan products.
Roc Capital (formerly Anchor Loans): Large-scale private real estate lender focused on fix & flip, bridge and new construction financing. Competes head-to-head with Clear To Close Capital in the high-LTV, fast-closing investor loan segment.

Emerging players

NewPoint Residential Capital: Non-QM and DSCR-focused residential investor lender with growing institutional backing. Adjacent to Clear To Close Capital's DSCR product but with a more institutional borrower focus and securitization-driven model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

clear to close capital financial estimates

Financial estimate

Revenue estimate

Valuation estimate

clear to close capital leadership team

Management profile

Number of profiles

Profiles4 records

clear to close capital funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

clear to close capital M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about clear to close capital

What does clear to close capital do?

Is clear to close capital a public or private company?

clear to close capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was clear to close capital founded?

clear to close capital was founded in 2020. It employs 1 to 10 people.

Where is clear to close capital based?

clear to close capital is headquartered in Atlanta, United States, in the North America region.

How does clear to close capital make money?

Two revenue lines are on record. Hard Money Loan Interest is the primary driver. The others are business Funding Facilitation.

Who are clear to close capital's main competitors?

Direct peers on record are Patch of Land, CoreVest Finance, Groundfloor, Kiavi, Easy Street Capital, Lima One Capital, RCN Capital, Visio Financial and Roc Capital (formerly Anchor Loans). NewPoint Residential Capital is listed as an emerging player.

Does clear to close capital have an API?

No public API is recorded for clear to close capital.

What industry is clear to close capital in?

clear to close capital's product category is Hard Money / Private Real Estate Lending. Its primary akta.pro industry code is FSANADAI, Middle-Market Lending, with a secondary code of FSANADAJ, Large-Cap / Sponsor Finance Direct Lending. Its NAICS code is 522292 and its SIC code is 6162.