Dynamo Capital
Dynamo Capital is a privately held Wichita-based hard money lender and private debt fund that provides short-term fix-and-flip, bridge, construction, and long-term DSCR loans to real estate investors nationwide, while pooling capital from accredited investors.
- Company typePrivate
- Founded2023
- HeadquartersWichita, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Dynamo Capital does
Dynamo Capital LLC is a privately held hard money lender and private debt fund based in Wichita, Kansas, that finances real estate investors, operators, and developers nationwide. The company's core product suite spans short-term fix-and-flip and bridge loans (LTC up to 100%, LTV up to 75%, rates from 6.5%, 6-24 month interest-only terms), ground-up construction loans, and long-term DSCR rental financing (30-year fixed/ARM, rates in the low 7%), with a Rehab-to-Loan (RTL) transitional product connecting the short- and long-term offerings. Loan origination and servicing run on the third-party LiquidLogics platform, which powers borrower and broker login portals, online applications, draw scheduling, and virtual inspections for rehab verification.
The company operates a dual-sided business model. On the borrower side, it generates revenue primarily through interest income on originated loans plus origination and processing fees, with transaction-specific pricing based on property type, loan-to-cost, and borrower experience rather than published rate sheets. On the investor side, Dynamo Capital operates a private debt fund that pools capital from accredited investors (minimum $10,000) to fund the loan book, offering targeted returns on real-estate-backed debt. Distribution is direct-to-consumer nationwide via the website and application portal, augmented by a broker referral channel and direct sales outreach to accredited LPs.
Go-to-market relies on content marketing (an active blog covering fix-and-flip strategy, regulatory changes, technology adoption, and case studies), LinkedIn presence, and relationship-driven sales. Leadership consists of CEO Justin Rocheleau (founder of JR Mortgage Group, Vici Funding, and Pollux Wealth Management) and CRO Matthew Medrano. The company is founder-owned with no disclosed institutional capital, no public revenue figures, and a lean management team, operating as a specialized niche lender rather than a scaled balance-sheet institution.
Dynamo Capital firmographics
Firmographics- Name
- Dynamo Capital
- Legal name
- Dynamo Capital LLC
- Website
- https://dynamocapital.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Dynamo Capital is a privately held Wichita-based hard money lender and private debt fund that provides short-term fix-and-flip, bridge, construction, and long-term DSCR loans to real estate investors nationwide, while pooling capital from accredited investors.
- Ownership category
- akta.pro rank
Dynamo Capital industry classification
Industry- Product category
- Private Real Estate Lending
- NAICS
- Other Investment Pools and Funds (5259), Portfolio Management and Investment Advice (523940)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Private Credit / Direct Lending (FSAAAHAG)
- akta.pro secondary industries
- Independent Venture Debt Funds / Platforms (FSANAIAB), Real Estate Funds — Core-Plus (FSANAEAG)
Keywords
Where Dynamo Capital is headquartered
LocationHeadquarters
- HQ city
- Wichita
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Dynamo 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 on Loans: Dynamo Capital generates revenue through interest charged on fix-and-flip loans, bridge loans, ground-up construction loans, and long-term DSCR (Debt Service Coverage Ratio) loans. Interest rates range from 6.5% for short-term loans to low 7% for long-term permanent financing. The company offers interest-only payments during loan terms with no interest charged on undrawn funds.
- Loan Origination and Processing Fees: Revenue generated through loan origination activities including processing fees associated with bridge financing, rehab-to-loan (RTL) programs, ground-up construction loans, and permanent financing solutions. Draw schedules and virtual inspections support the rehab financing process.
- Accredited Investor Fund Contributions: Dynamo Capital operates as a private debt fund that pools capital from accredited investors to fund real estate-backed loans. Investors receive targeted returns through their investment in the fund, with Dynamo managing loan origination and servicing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Short-Term Bridge Loans: LTC up to 100%, LTV up to 75%, Interest Rates Starting at 6.5%, 100% Rehab Financing, 6-24 Month Terms, Interest-Only Payments |
| Transaction based/ take rate | Monthly | Long-Term Permanent Financing: LTV up to 80%, Fixed/ARM 30-Year Note, Interest Rates Starting in Low 7%, Interest Only Options Available |
| Outcome Based/ Performance | Pay-as-you-go | Accredited Investor Minimum Investment: $10,000 Minimum Investment with Targeted Return |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Dynamo Capital product offering
Product offeringCore offering
Dynamo Capital is a private lending company that originates and services hard money loans for real estate investors, operators, and developers. Its product suite includes short-term fix-and-flip, bridge, and ground-up construction loans, long-term DSCR (Debt Service Coverage Ratio) rental loans, and Rehab-to-Loan (RTL) transition financing, with terms ranging from 6-24 months on the short-term side to 30-year fixed/ARM notes on the long-term side. It also operates a private debt fund that pools capital from accredited investors to fund these real estate-backed loans.
Product overview
Dynamo Capital is a private lending platform offering a coordinated suite of real estate financing products. Short-term offerings include Fix and Flip Loans, Bridge Loans, and Ground-Up Construction Loans with terms up to 24 months, LTC up to 100%, and interest rates starting at 6.5%. Long-term products include DSCR Loans (30-year fixed/ARM with interest-only options) that qualify based on property cash flow. The platform also manages a Private Debt Fund for accredited investors seeking passive real estate-backed income. The Rehab-to-Loan (RTL) financing product bridges short-term rehab needs to long-term DSCR hold strategy, providing investors an end-to-end value-add solution.
Differentiator
Problem solved
Functional benefit
Products and services
- Fix and Flip Loans Short-term hard money loans for real estate investors to purchase and renovate distressed properties for resale. Features include LTC up to 100%, LTV up to 75%, 100% rehab financing, 12-month terms, interest-only payments, and interest rates starting at 6.5%.
- Bridge Loans Short-term financing for real estate investors needing flexible capital to bridge gaps between property acquisition and long-term refinancing or sale.
- Ground-Up Construction Loans Financing for new construction projects, supporting developers building from foundation to completion with competitive LTC ratios and draw schedules supporting rehab financing.
- DSCR Loans Long-term rental financing that qualifies based on property cash flow rather than borrower income, enabling investors to scale portfolios with 30-year fixed/ARM notes, LTV up to 80%, interest-only options available, and interest rates starting in the low 7%.
- Rehab-to-Loan (RTL) Financing Financing that starts as short-term rehab funding and can transition to long-term DSCR loans, providing an end-to-end solution for value-add investments.
- Private Debt Fund Investment Private lending debt fund that pools capital from accredited investors to finance real estate-backed loans, with targeted returns and a minimum investment of $10,000.
Quantifiable outcome
- Closing time as fast as 1 day, typically 5-7 business days from receipt of required documents
- +3 more outcomes
Companies that use Dynamo Capital
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
Dynamo Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Dynamo Capital partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights5 records
Dynamo Capital competitors and assessment
Company assessmentEmerging players
- EasyKnock: Alternative residential financing provider offering sale-leaseback and equity unlock solutions. Adjacent rather than direct competition, but operates in the same real estate investor/owner liquidity space.
- Hometap: Home equity investment company providing homeowners with cash in exchange for a share of future home value. Not a direct competitor, but thematically related in non-bank residential real estate financing.
Direct peers
- Roc Capital: Private hard money lender focused on fix-and-flip and rental loans for real estate investors. Comparable underwriting flexibility (LTC, credit policy) and target borrower to Dynamo.
- Lima One Capital: Specializes in fix-and-flip, bridge, new construction, and DSCR rental financing for real estate investors. Closely aligned with Dynamo's product suite and investor borrower profile.
- CoreVest: Real estate investor lender offering bridge, construction, and DSCR rental loans. Similar business mix to Dynamo's portfolio, especially on the long-term rental/DSCR side.
- Fund That Flip: Online platform that originates and securitizes fix-and-flip loans for real estate investors. Directly competes with Dynamo's bridge product and shares the digital origination model.
- Kiavi: Formerly LendingHome, Kiavi is one of the largest digitally-native hard money lenders offering fix-and-flip and rental loans. Most directly comparable to Dynamo on product, target borrower (real estate investors), and tech-enabled origination model.
- Groundfloor: Real estate debt platform offering short-term fix-and-flip loans to investors, partially funded by retail investors. Comparable to Dynamo's blended lender/debt-fund model for accredited investors.
- Anchor Loans: One of the largest private lenders to fix-and-flip investors, providing bridge and rehabilitation financing nationwide. Directly competes with Dynamo on speed, LTC, and rehab draw products for residential investors.
- Newfi Wholesale: Non-QM and investor loan lender providing DSCR, fix-and-flip, and bridge products. Closely comparable on the long-term rental/DSCR product line and self-employed borrower segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Dynamo Capital social profiles
Digital presenceDynamo Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Dynamo Capital leadership team
Management profileNumber of profiles
Profiles2 records
Dynamo Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Dynamo 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 Dynamo Capital
What does Dynamo Capital do?
Dynamo Capital is a private lending company that originates and services hard money loans for real estate investors, operators, and developers. Its product suite includes short-term fix-and-flip, bridge, and ground-up construction loans, long-term DSCR (Debt Service Coverage Ratio) rental loans, and Rehab-to-Loan (RTL) transition financing, with terms ranging from 6-24 months on the short-term side to 30-year fixed/ARM notes on the long-term side. It also operates a private debt fund that pools capital from accredited investors to fund these real estate-backed loans.
Is Dynamo Capital a public or private company?
Dynamo Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Dynamo Capital founded?
Dynamo Capital was founded in 2023. It employs 11 to 50 people.
Where is Dynamo Capital based?
Dynamo Capital is headquartered in Wichita, United States, in the North America region.
How does Dynamo Capital make money?
Three revenue lines are on record. Interest Income on Loans are the primary driver. The others are loan Origination and Processing Fees and accredited Investor Fund Contributions.
Who are Dynamo Capital's main competitors?
Emerging players on record are EasyKnock and Hometap. Direct peers are Roc Capital, Lima One Capital, CoreVest, Fund That Flip, Kiavi, Groundfloor, Anchor Loans and Newfi Wholesale.
Does Dynamo Capital have an API?
No public API is recorded for Dynamo Capital.
What industry is Dynamo Capital in?
Dynamo Capital's product category is Private Real Estate Lending. Its primary akta.pro industry code is FSAAAHAG, Private Credit / Direct Lending, with a secondary code of FSANAIAB, Independent Venture Debt Funds / Platforms. Its NAICS code is 5259 and its SIC code is 6162.