Credit-Driven Lending Solutions

With credit-based options you benefit from favorable rates, rigorous underwriting, and flexible terms, so strong credit leads to stronger deals in your portfolio.

Quick closing

Reliable support
Competitive rates
Old North Capital Fund Fix & Flip loan

fix & flip

Our Fix & Flip funding is our most popular loan and is ideal for investors who need to quickly acquire a property with the intention of renovating or fixing the property to be sold at a higher price. Our pricing is flexible based on prior experience.

Terms

  • Competitive rates starting at 10%

  • Origination Fee: 1–3%

  • Property types: Residential 1–4 units, townhomes, warrantable condos

  • Loan term: 12 months (up to 18 at lender’s discretion)

  • Max LTV: 70%

  • Max LTC: 85%

  • Credit Requirement: 680 midscore

Underwriting Requirements

  • Appraisal report

  • Credit & background check (hard pull)

  • Guarantor personal financial statement (PFS)

  • Bank statements / proof of liquidity

  • Borrower resume & project history

  • Business entity docs (e.g., Operating Agreement, Articles of Organization)

  • Purchase contract

  • Itemized budget, building plans & permits

bridge

Often, investors need interim financing, or a “Bridge Loan,” to give them time to achieve their next step while personal capital isn’t available yet. The terms of this loan are very similar to our Fix & Flip Loan, however, no funds will be allocated towards construction and instead, a lump sum amount will be paid.

We offer this loan for six months, but there is no pre-payment penalty if it is paid back sooner. This provides our investors with ultimate flexibility on a Bridge.

Terms

  • Competitive rates starting at 10%

  • Origination Fee: 1–3%

  • Property types: Residential 1–4 units, townhomes, warrantable condos

  • Loan term: 12 months (up to 18 at lender’s discretion)

  • Max LTV: 70%

  • Max LTC: 85%

  • Credit Requirement: 680 midscore

Underwriting Requirements

  • Appraisal report

  • Credit & background check (hard pull)

  • Guarantor personal financial statement (PFS)

  • Bank statements / proof of liquidity

  • Borrower resume & project history

  • Business entity docs (e.g., Operating Agreement, Articles of Organization)

  • Purchase contract

  • Itemized budget, building plans & permits

construction

We provide hard money construction loans for investors building residential or commercial properties. The Construction Loan Program is great for investors who purchase a lot or tear down an existing home to build new construction.

Terms

  • Competitive rates starting at 10%

  • Origination Fee: 1–3%

  • Property types: Residential 1–4 units, townhomes, warrantable condos

  • Loan term: 12 months (up to 18 at lender’s discretion)

  • Max LTV: 70%

  • Max LTC: 85%

  • Credit Requirement: 680 midscore

Underwriting Requirements

  • Appraisal report

  • Credit & background check (hard pull)

  • Guarantor personal financial statement (PFS)

  • Bank statements / proof of liquidity

  • Borrower resume & project history

  • Business entity docs (e.g., Operating Agreement, Articles of Organization)

  • Purchase contract

  • Itemized budget, building plans & permits

what our investors have to say

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