Frequently Asked Questions
General Lending
How fast can I close?
We understand that real estate opportunities require quick evaluation and decisive action. Capital is typically available within 7 to 14 business days from the time a completed application is submitted. While the exact timeline depends on documentation and title readiness, our process is designed to move as fast as you do.
What are your rates and fees?
Our standard interest rate is 12%, which is reduced to 11% for Qualified Pro Partners. The standard origination fee is 2% of the loan amount, with a $1,500 minimum.
What loan programs do you offer?
We focus on short-term capital for residential investors. This includes Fix & Flip loans for acquisition and renovation projects, and Short Term Bridge loans for seasoned investors managing multiple transactions or active portfolios.
How are loan limits determined?
Loan limits are set individually for each customer. We determine these limits based on your experience, credit history, and the specific scope of your projects.
What do you review during underwriting?
We use a structured evaluation process that considers the borrower’s experience, credit profile, property details, project scope, and project timeline. Every deal is reviewed individually to ensure the terms align with the opportunity.
Do you lend to first-time investors?
Yes. We work with investors at every stage, including those embarking on their first projects. We provide first-time investors with clear expectations and structured guidance throughout the process.
Can I manage multiple loans at once?
Yes. Our capital is designed to support active portfolios and investors managing multiple projects simultaneously.
Do you offer long-term financing?
MooreCap Lending specializes specifically in short-term capital (6 months). Our programs, such as Fix & Flip and Bridge loans, are designed for the acquisition, renovation, and repositioning phases of an investment.
Can I extend my loan if needed?
Yes, while we have standard terms, extension options are available when appropriate to the project.
Do terms improve for repeat borrowers?
While our standard rates and fees apply, we structure loan limits and pricing adjustments around a borrower’s track record and experience. As you build a history with us, these factors are considered in every new request.
What makes MooreCap Lending different?
Unlike lenders with outsourced underwriting, you have direct access to decision-makers. Our process is built by investors for investors, offering disciplined capital, direct communication, and professional execution to ensure your momentum stays intact.
Fix & Flip
What is the standard term for a Fix & Flip loan?
The standard term for a Fix & Flip loan is 6 months.
Do you finance renovation costs?
Yes. Our fix and flip loans provide short-term financing specifically for investors acquiring and renovating residential properties. Because we specialize in renovation projects, your loan structure and limits are customized based on the specific scope of your project and your experience as an investor.
How are draws handled?
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Can I have multiple Fix & Flip loans at once?
Yes. Our Fix & Flip program is built for investors managing multiple projects and active operators looking to scale their business.
Short Term Bridge
Who is a Bridge loan best suited for?
Bridge loans are designed for seasoned, active investors managing multiple transactions. They are ideal for those who need dependable capital while moving between deals, refinancing a project, or managing a portfolio.
How is a Bridge loan different from a Fix & Flip loan?
While both are short-term, Fix & Flip loans are specifically focused on acquisition and renovation. Bridge loans are structured more for liquidity and momentum, helping seasoned operators manage multiple transactions or "bridge" the gap between active deals.
Can I use a Bridge loan between transactions?
Yes. This capital is specifically designed for investors who require efficient financing to keep their momentum intact while moving from one deal to the next.
Can I have multiple Bridge loans at once?
Yes. We serve portfolio managers and active operators who require capital structured to support multiple active projects at the same time.
Ready to Move Forward?
Submit Your Next Deal for Review
When a deal makes sense, timing matters. Start your loan application and we’ll review it quickly, communicate clearly, and work to close efficiently.