A Private, Non-Bank Hard Money Lender Providing Asset Based Lending (ABL) 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 asset based short-term, first mortgage bridge financing for all types of real estate investments. We lend on non-owner occupied investment properties as a solution to investors in Massachusetts, Florida, New Hampshire, Rhode Island, and Maine that require speed and execution not found in traditional lending.
Our borrowers include house fix and flippers, real estate developers, home builders, and commercial property owners. EMCAP Lending 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.
CHOOSE YOUR LOAN - SEE OUR GUIDELINES
Step 1: Select your project type in the white box below.
Step 2: Scroll down to see the guidelines for specific EMCAP Lending program
SFR / Multifamily
Bridge Loan
$100,000 to $7,000,000
Loan Amount
SFR & Multifamily
Property Type
Loan Term
12-18 mos
As low as 10.5%
Interest Rates
2 Points
Origination Points
Max 85%
Loan-to-Cost (LTC) %
Max 70%
Loan-to-Value (LTV/ARV) %
N/A
% of Construction Funded
1st Lien Only
Collateral Requirement
Interest Only
Monthly Payments
Min 1 Deal / 10+ = Best Rate
Borrower Experience
Held in LLC/ Non-Owner Occ
Borrower Requirements
625
Credit Minimum
No
Appraisal Requirements
Streamline
Renovation Loan
$150,000 – $5,000,000
Loan Amount
Property Type
SFR, Multi & Commercial
12-18 mos
Loan Term
As low as 10.5%
Interest Rates
2 Points
Origination Points
Max 85%
Loan-to-Cost (LTC) %
Max 70%
Loan-to-Value (LTV/ARV) %
100%
% of Construction Funded
1st Lien Only
Collateral Requirement
Monthly Payments
Interest-Only on Balance
Borrower Experience
Min 1 Deal – Case-by-Case
Held in LLC/ Non-Owner Occ
Borrower Requirements
625
Credit Minimum
No
Appraisal Requirements
Streamline Ground-up
construction loan
$150,000 – $5,000,000
Loan Amount
SFR, Multi & Commercial
Property Type
12-18 mos
Loan Term
As low as 10.5%
Interest Rates
2 Points
Origination Points
Max 85%
Loan-to-Cost (LTC) %
Max 70%
Loan-to-Value (LTV/ARV) %
100%
% of Construction Funded
1st Lien Only
Collateral Requirement
Interest-Only on Balance
Monthly Payments
Min 1 Deal – Case-by-Case
Borrower Experience
Held in LLC/ Non-Owner Occ
Borrower Requirements
625
Credit Minimum
No
Appraisal Requirements
Streamline Commercial
Bridge Loan
$150,000 – $5,000,000
Loan Amount
Property Type
SFR, Multi & Commercial
12-18 mos
Loan Term
As low as 10.5%
Interest Rates
2 Points
Origination Points
Max 85%
Loan-to-Cost (LTC) %
Max 70%
Loan-to-Value (LTV/ARV) %
N/A
% of Construction Funded
1st Lien Only
Collateral Requirement
Interest-Only
Monthly Payments
Min 1 Deal – Case-by-Case
Borrower Experience
Held in LLC/ Non-Owner Occ
Borrower Requirements
625
Credit Minimum
Yes
Appraisal Requirements
Funding your real estate projects
shouldn’t be stressful
Secure Online Loan Portal
Pay Your Commitment Deposit
Securely pay your Loan Commitment Deposit quickly and securely online.
Pay Your Monthly Interest Payment
Securely pay your Monthly Interest Payment quickly and securely online.
Access Online Draw Portal
Login to the secure
Draw Portal online
For Loan Guidelines
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.
What Successful Real Estate Investors Say About EMCAP Lending
Who Borrows from EMCAP Lending?
EMCAP is a private, ‘hard money’ lender specializing in short-term, first mortgage, asset based loans (ABLs) for all types of real estate investments. We lend on non-owner occupied investment properties as a solution to investors in Massachusetts, Florida, New Hampshire, Rhode Island, and Maine 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:
$312,500
Loan Type:
Renovation
Property Location:
Southern Maine
Loan Amount:
$685,000
Loan Type:
Renovation
Property Location:
Massachusetts
Loan Amount:
$630,000
Loan Type:
Renovation
Property Location:
Southern Maine
Loan Amount:
$196,000
Loan Type:
Commercial Bridge
Property Location:
Rhode Island
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
Closing The Deal: What Are Hard Money Lenders Looking For From You?
If you’re new to real estate investing then you might well be worried about successfully closing a hard money loan deal. Here is what to know about your deal to impress your hard money lender.
Fixer-Uppers: Why Hard Money Loans Are A Good Fit For House Renovations
Fix and Flip investors know a commercial bank does not stack up against the speed of a hard money loan when needing fast cash. Learn why veteran real estate investors have a trusted Hard Money Lending partner.
The Benefits of Fixed Rate Hard Money Lending
Hard Money Lenders, unlike commercial banks, are able to offer interest rates that are not fixed to external indexes meaning rates that you can trust and plan for.