Universal Capital

Universal Capital is a direct hard money lender that has been serving the New England region since its establishment in 2010. Our team is composed of experienced mortgage banking professionals, real estate experts, and private lending specialists who are committed to providing short-term financing solutions for real estate investors.

At Universal Capital, we specialize in providing self-funded, stated income/stated asset loans with no minimum FICO scores required. We understand that traditional lending institutions often have strict requirements and lengthy processes, which is why we offer a simple application process, fast closings, and a straightforward draw process. Our primary goal is to help our clients achieve their real estate investment goals by providing them with the necessary funding in a timely and efficient manner.

Types of Loans Offered

We offer a variety of loan options to suit different real estate investment needs. These include:

• Rehab/Renovation Loans: These loans are designed to provide the necessary funding for the renovation or rehabilitation of a property. We lend on single-family residences (SFR) and multifamily properties, allowing investors to turn distressed properties into valuable assets.
• Bridge Loans: Our bridge loans provide investors with the necessary funds to bridge the gap between the purchase of a new property and the sale of an existing one. These loans are ideal for investors who need to act quickly in a competitive market.
• Construction Loans: Our construction loans are perfect for investors who are looking to build new properties or complete ground-up construction projects. We provide funding for the construction phase, allowing investors to focus on building high-quality properties.

Why Choose Universal Capital?

There are several reasons why investors choose Universal Capital for their real estate financing needs:

• Fast Closings: We understand that time is of the essence when it comes to real estate investments. That's why we offer fast closings, typically within 7-10 business days, allowing our clients to act quickly and secure their desired properties.
• Simple Draw Process: Our simple draw process ensures that our clients receive the necessary funds in a timely and efficient manner. This allows them to focus on their projects without worrying about the funding aspect.
• Collateral-Based Lending: At Universal Capital, we base our loan decisions on the collateral value of the property. This means that we focus on the property's potential, rather than the borrower's credit history, allowing more investors to qualify for our loans.

Direct Loan Parameters

We specialize in short-term real estate loans for non-owner occupied properties, ranging from $100,000 to $3 million. Our loans have a term of 6-18 months and are designed to provide investors with the necessary funding to complete their projects and sell or refinance the property.

If you're looking for a reliable and experienced hard money lender in the New England region, look no further than Universal Capital. Contact us today to learn more about our loan options and how we can help you achieve your real estate investment goals.