A direct lender built on speed, certainty, and trust.
MCF Real Estate Capital is a private real estate lender funding bridge, fix-and-flip, construction, and commercial loans across the United States.
By the numbers
Performance you can underwrite
Every figure below reflects loans originated by our brands between 2013 and 2025.
Total Closed Loans
Originated, funded, and serviced 2013–2025
Total Volume Funded
Over half a billion in real-estate-secured capital deployed
Average Loan Amount
Right-sized for institutional discipline and operator agility
Average FICO Score
Strong borrower credit profiles across the portfolio
Average Loan-to-Value
Conservative LTV protecting principal with tangible equity
Average Note Rate
Consistent risk-adjusted yield across market cycles
Average Effective Rate
Including fees & points
Compound Target Return
Annualized CAGR goal
What sets us apart
Four principles. Every loan.
Direct lender
We underwrite, fund, and service from our balance sheet — no middlemen, no syndicate delays.
Speed by design
Term sheets within 24 hours. Close as soon as the title and appraisal are reviewed.
Relationship-first
Most of our business is repeat or referred. We protect borrower and broker relationships for life.
Disciplined capital
Conservative LTVs and a consistent investment philosophy refined over nearly two decades.