A Private Lender for Real Estate Investments
Hard Money Loans Made Easy

Backed by a second generation, vertically integrated real estate investment and services firm with over six decades of experience.
EMCAP is a private, ‘hard money’ lender specializing in short-term, first mortgage bridge financing for all types of real estate. We lend on non-owner occupied investment properties as a solution to investors that require speed and execution not found in traditional lending.
Our borrowers include house flippers, real estate developers, home builders, and commercial property owners. EMCAP is the private lending affiliate of Procaccianti Companies. With over six decades of experience and more than $10 Billion of transactions under our belt, you bet we know real estate – and we’ve made private real estate lending simple.
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Fast
We can approve loans in less than 48 hours, close in 7 business days, and fund draws in 1-3 days.
No Hassle
Common-sense underwriting, no tax returns or bank statements needed, no appraisals on SFR and Multifamily.
Trustworthy
We have never backed out of a loan that we’ve committed to and 75% of our loans are with repeat borrowers.
Service
EMCAP prides itself on fast, reliable service. Our staff is always accessible to assist with loans and loan scenarios.
Who Borrows from EMCAP?
EMCAP is a private, ‘hard money’ lender specializing in short-term, first mortgage loans for all types of real estate. We lend on non-owner occupied investment properties as a solution to investors that require speed and execution not found in traditional lending. Our borrowers include house flippers, real estate developers, home builders, and commercial property owners.
Renovation
Our renovation loan is for investors looking to fix and flip or fix and hold a property. Our renovation loan program helps borrowers get in & get out of the deal quickly while maximizing profit. Unlike most lenders, we allow borrowers to act as their own general contractor.
Ground-Up Construction
Our niche is ground-up construction. We help home builders & real estate developers get through the construction process faster than a traditional lender. We will fund 100% of construction and interest is calculated only on the drawn balance, not the full loan from day 1.
Commercial Bridge
We offer bridge loans to residential and commercial investment property owners who need a “bridge” to a sale or eventual refinance with a conventional loan. We lend on hospitality, office, industrial, and more. We have an experienced team of originators who specialize in commercial bridge loans.

RECENT TRANSACTIONS
Here are some recent transactions from our hundreds of successful loans.
Loan Amount:
$1,600,000
Loan Type:
New Construction
Property Location:
Massachusetts
Loan Amount:
$260,000
Loan Type:
Renovation & Cash Out
Property Location:
Massachusetts
Loan Amount:
$1,310,275
Loan Type:
Condo Conversion
Property Location:
Massachusetts
Loan Amount:
$2,460,000
Loan Type:
Commercial Bridge
Property Location:
Massachusetts
Trust is the foundation of great service
Traditional lenders simply can’t compete with our proven ability to underwrite loans and close quickly. Our principals have been in real estate development and lending for over 30 years. We know real estate and believe in helping borrowers create value to maximize upside.
Features
✓ Trust
✓ Accuracy
✓ Confidentiality
✓ Expertise
✓ Experience
✓ Professional
EMCAP Lending News
The Wrong Times to Seek a Bridge Loan
There are plenty of situations in which a bridge is a great fit to fill gaps in your financial plans. To gain capital for a new project, to fill out lost tenancy opportunities, or to hold over your outside financing until a long-term loan becomes a viable option for...
3 Tips for Securing the Right Bridge Loan for Your Commercial Real Estate Project
The real estate market is among the most exciting of all markets with which you could find yourself involved, but that same thrill can provide risk. Securing your finances before you move forward on a development project is vital to your success in the market. While...
What Questions Should I Ask a Commercial Bridge Lender?
Real estate investors of all experience levels often find themselves faced with gaps in funding – in comes the utility of a commercial bridge loan. Know what to ask your lending to make the Bridge Loan process fast and easy.