Universal Capital

Universal Capital was founded in 2010 by a team of seasoned mortgage banking professionals with a shared vision of providing accessible, efficient real estate financing solutions. As a self-funded direct lender, we specialize in short-term hard money loans for non-owner occupied residential and commercial properties across New England. Our lending approach prioritizes collateral value over rigid credit score requirements, enabling us to offer flexible terms including stated income/stated asset loans, low down payments, and streamlined application processes. With expertise in rehab/renovation, bridge, and construction loans ranging from $100,000 to $3 million, we combine industry knowledge with rapid decision-making to meet time-sensitive real estate investment needs. Our internal underwriting process eliminates third-party delays while maintaining rigorous standards for risk assessment and portfolio management.

Through years of navigating diverse market conditions, we've developed a reputation for reliability in financing projects that traditional institutions often overlook. Our team's deep understanding of local real estate markets allows us to tailor solutions that align with regional investment opportunities. We maintain transparency throughout our lending process, ensuring clients understand all terms and requirements upfront. Our commitment to fast closings and simple draw processes has made us a preferred partner for investors seeking agile capital deployment. By focusing exclusively on real estate-secured lending, we've cultivated specialized expertise that benefits both novice and experienced property investors.