Barthelemy Commercial Capital

About Barthelemy Commercial Capital

Barthelemy Commercial Capital is an Atlanta, GA based private lender who provides funding all across the country. They provide fix-and-flip hard money loans, commercial hard money loans, and hard money bridge loans. They offer loan amounts ranging from $500,000 to $50,000,000 with a maximum LTV of 65%, rates ranging between 10% and 15.99%, and terms between 1 year and 5 years. Their lending parameters do not include a minimum credit rating. They provide loans on all of the following types of properties: single family units, multi-family units, apartments, office units, retail spaces, hotels/motels, storage facilities, assisted living facilities, mixed use, warehouses, industrial facilities, medical buildings, undeveloped land, and churches.

Loan Types Offered: Fix and Flip Loans, Commercial Hard Money Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Warehouse, Industrial, Medical, Land, Church

Areas Served: National

Lending Guidelines for Barthelemy Commercial Capital

Below are the general loan guidelines published on the Barthelemy Commercial Capital website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by Barthelemy Commercial Capital.

Loan Example 1

June takes a private money loan from Barthelemy Commercial Capital in order to remodel a property to flip in Nashville, TN. The sales price of the house is $310,000. Since the lender sets a 50% loan-to-value, June will have to put 50% down and the amount of the note will be $155,000. The deal also has the following features: 1) a 12 month length, 2) a 12% interest only note, and 3) a four point origination charge.

In addition to paying the $6,200 origination fee, June will also fund $155,000 of the purchase with her own money, or 50% of the sales price. The monthly interest only payments will then be $1,550 to the lender. If June accomplishes her goal of a $434,000 sales price when the loan term expires, she would pocket a gross profit of $99,200 after repaying the principle and subtracting the money she contributed at closing, the origination points, and the total monthly interest payments.

Loan Example 2

Monique takes a loan from Barthelemy Commercial Capital in order to rehab a house to re-sell in Corpus Christi, TX. The loan has the following terms:

a) A $150,000 sales price, b) a 75% loan-to-value (LTV), c) a 12 month term, d) a 12% interest rate, and e) a 1% origination fee.

Monique intends to sell the project when the note expires for $195,000. If she succeeds, the final numbers would be the following:

$195,000 sales price
- $112,500 principle on note (75% LTV)
- $37,500 down payment (25% on 75% LTV)
- $1,125 origination points (1% of the $112,500 principle amount)
- $13,500 interest payments (12 months x 12% interest)
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= $30,375 gross profit (does not include taxes or rehab costs)

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