finance options
Our process comes with extensive experience & guarantees fast and smooth closings. While traditional lenders could take months to close, we can complete the process in days.
| Commercial Real Estate
We recognize that access to capital in today's times can be a monumental undertaking. Our process comes with extensive experience & guarantees fast and smooth closings. While traditional lenders could take months to close, we can complete the process in days.
Our partners share decades of experience in direct real estate lending, and have closed over$2 billion in loans. We have the knowledge and insight to guide you through the entire loan process, from initial review through closing, eliminating costly obstacles that stand in your path.
That experience, in all phases of real estate lending, enables us to bring unparalleled creativity and speed to every request. So where more traditional banks might see obstacles to your loan, we see opportunity. We are ready to fund you even after other lenders have turned you down.
Drawing from various resources, we offer loans from $100k to $100 million. We have the flexibility and creativity to review projects of every type — multifamily, office, retail, industrial, restaurant, hotel and well placed land — and to offer funding for almost every purpose —refinance, restructurings, discounted payoffs, purchase of notes and property improvement.
Anywhere from 1 to 10 years with extensions up to 30 Year amortized loans
and "Interest rates: 3.5% to 12%
LTV: Up to 90%
| Capital Business Loans
BlueCap is committed to fostering the growth of small and middle-market companies by providing creative and flexible asset-backed financing solutions.
Assets
Rationale
Exit Strategy
Character of the Client
Working Capital
Equipment Acquisitions
Sale and Leaseback
Debt Refinancing and Restructuring
Start-up Financing
Notes and Mortgages Receivable
Cash Value of Life Insurance
Gold
Boats and Car
Equipment must have an active and verifiable secondary market Minimum Forced Liquidation Value (FLV) of $25,000 per asset information required to value equipment include:
- Year
- Make
- Model
- Mileage/Hours
- VIN/Serial Number
- Proof of Ownership
- Condition
Other Assets will be appraised and analyzed on an individual basis as needed.
- Machinery Trader
- Equipment Watch
- NADA
- Ritchie Brothers
- Truck Paper
| SBA Loans
Our SBA loan programs are designed to meet the needs of growing small- and mid-sized businesses, and offer many advantages over conventional bank loans and other types of financing. For the cash-conscience business owner, our 504 program provides up to 90% loan-to-cost financing, allowing you, the business owner, to maintain greater liquidity. Additionally, our programs offer longer amortization periods and terms than traditional bank loans, which means lower monthly payments and better cash flow.
Our SBA 504 construction loan program provides up to 90% LTV financing (80% for special use) for the construction of owner occupied commercial properties. The loan is comprised of a first mortgage provided by BlueCap, an interim (bridge) second mortgage loan provided by BlueCap, and a permanent second mortgage loan funded by the SBA through a debenture offering upon completion of the construction. Rates for the first mortgage can vary, depending on property type and borrower strength, and the SBA second is fixed over the 20-year, assumable for the life of the loan.
| Loan Amount: Up to $20,000,000 | Property Types: All commercial real estate; focus on hotels and assisted living |
| Term: Up to 30 years | Collateral: First mortgage/trust deed |
| Minimum Personal Credit Score: 680 FICO | Prepayment Penalty: Five year lock-out |
| Lending Territory: Nationwide | Guarantees: Full recourse |
| Loan to Value: Up to 90% for multi-use; Up to 80% for special-use | Rate and Fees: Rates starting at 6%; Call for pricing |
| Minimum DSCR: Projection 1.20X for multi-use; 1.25X for special-use |