For borrowers · Loan Options
Find the right loan for your project.
From short-term bridges to ground-up construction, our five private money programs cover the full spectrum of residential and commercial real estate financing.
Loan Options
Why borrowers pick MCF Real Estate Capital
We approve loans on the strength of the asset and the deal, not on tax returns or W-2 income. That means decisions in days, not weeks.
- Loan amounts $100K – $20M
- 6 – 36 month terms
- LTVs up to 75%
- 620 credit
- No income, financials, or credit minimums required
Choose the program that fits
Browse all six programs to compare terms, ideal use cases, and typical closing speeds. Or talk to an underwriter — we'll point you to the right structure on the first call.
Five private money programs
Browse our loan programs
Each program is purpose-built for a specific scenario. Click any card to see full terms, ideal use cases, and FAQs.
Commercial Bridge LoansShort-term capital for commercial assetsView program →Fix-and-Flip LoansCapital for residential investorsView program →Cash-Out Refinance LoansUnlock equity from existing propertiesView program →Bridge to Permanent LoansShort-term capital today, long-term planView program →Rehab & Construction LoansRenovation and ground-up capitalView program →
At a glance
Program comparison
Side-by-side view of headline terms. For full details, open the individual program page.
| Program | Loan size | Term | Max LTV / LTC | Best for | |
|---|---|---|---|---|---|
| Commercial Bridge Loans | $250K – $20M | 6 – 36 months | Up to 65% | Maturing-note payoffs | Details → |
| Fix-and-Flip Loans | $100K – $5M | 6 – 24 months | Up to 90% LTC, 75% ARV | Residential investors | Details → |
| Cash-Out Refinance Loans | $250K – $20M | 12 – 36 months | Up to 75% | Sponsors with trapped equity | Details → |
| Bridge to Permanent Loans | $500K – $20M | 6 – 36 months | Up to 70% as-is | Value-add multifamily sponsors | Details → |
| Rehab & Construction Loans | $500K – $20M | 6 – 24 months | Up to 90% LTC, 75% ARV | Ground-up developers | Details → |