Com Cap Finance Group

About Com Cap Finance Group

Com Cap Finance Group is a Dallas, TX based private lender. They offer loans across the United States. They offer private commercial loans, bridge loans, and hard money construction loans. Their lending guidelines are flexible, including rates ranging between 9% and 14% and loan amounts ranging from $1,000,000 to $100,000,000 with a maximum LTV of 80%. They make loans on many property types, including multi family residences, retail units, office buildings, apartment buildings, industrial facilities, storage facilities, warehouses, hotels/motels, and undeveloped land.

Loan Types Offered: Commercial Hard Money Loans, New Construction Loans, Bridge Loans

Property Types Covered: Multi Family, Retail, Office, Apartment, Industrial, Storage, Warehouse, Hotel, Land

Areas Served: National

Lending Guidelines for Com Cap Finance Group

Below are the general loan guidelines published on the Com Cap Finance Group 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 Com Cap Finance Group.

Loan Example 1

To facilitate her growing business, Maritza must acquire a new commercial building. After being turned down for conventional mortgage loan from her local bank, she applies for a commercial hard money loan from Com Cap Finance Group. The lender contracts to a 80% loan to value (LTV) on the sale and the new property is listed for $230,000, so they will fund $184,000 and Maritza will pay the other $46,000. The deal also includes a 6 month length, a 13% interest rate, interest-only payments made each month with a final payment when the note expires (with no pre-payment penalty), and a 4 percent origination fee. Maritza may eliminate the note at any point by paying back the $184,000 of principle, however, she will be required to pay $1,993 monthly interest payments ($184,000 principle x 13% interest rate / 12 months per year) in the meantime, or up to the point the note expires. Since there is not a pre-payment penalty, the only other expense she will have is the $7,360 origination fee which she will contribute at closing.

Loan Example 2

Tracey takes out a private money bridge loan from Com Cap Finance Group in order to rehab a townhome to resell in Kansas City, MO. The loan has the following terms:

a) A $250,000 sales price, b) a 80% loan to value (LTV), c) a 18 month term, d) a 9% interest rate, and e) a 4% origination fee.

Tracey plans to list the project at the end of the term for $325,000. If she succeeds, the outcome would be as follows:

$325,000 sales price
- $200,000 note principle (80% LTV)
- $50,000 down payment (20% on 80% LTV)
- $8,000 origination points (4% of the $200,000 principle)
- $27,000 total interest paid (18 months x 9% interest)
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= $40,000 total profit (does not include taxes or renovation costs)

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