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Private real estate debt & equity

Certainty is the product.

Soft terms in 24 hours. Cash at the closing table on your date. Rates from 8.95%, up to 65% leverage, interest only. Foreign nationals welcome. Buy, refinance, renovate, build, or rescue.

Get soft terms in 24 hours →
Closing on a condo? Brokers & agents
8.95%Rates from · interest only
Minimal KYCAsset-based underwriting
24 hrsTo soft terms
12 to 24 mo + ext.Extensions available
One platform, two mandates

Borrow with certainty.
Invest with discipline.

6Loan programs
10+Years lending
100%Underwritten in-house
For borrowers & brokers

Debt financing

Six loan programs: short-term, interest-only loans, underwritten and decided in-house. Foreign nationals welcome.

  • New construction condo closings at completion
  • Acquisitions of existing property, bought as-is
  • Bridge: refinance, cash-out, maturity payoffs
  • Fix and flip with 100% of rehab financed
  • Ground-up construction with milestone draws
  • Foreclosure bailouts for specialty situations
For sponsors & operators

Equity capital

Partnership capital for experienced sponsors with real basis and a clear plan.

  • Preferred equity with structured priority
  • Recapitalizations of quality assets
  • Co-GP co-investment with proven sponsors
  • Direct decisions, not committees
For investors

Investor access

Deal-by-deal participation in secured loans and preferred equity, with sponsor capital alongside yours.

  • Collateral-secured lending strategies
  • Preferred equity with defined priority
  • Deal-level transparency and reporting
  • Firm capital invested in every position
Lending programs

A lender you can count on to close.

Rates from 8.95%Interest only
Minimal KYCAsset-based underwriting
Soft terms in 24 hrsApproval in days
Up to 65%Max leverage, every program
12 to 24 monthsExtensions available

Program guidelines as of September 2026, subject to change without notice. Starting rates shown; final pricing and leverage are set in underwriting. Business-purpose, non-owner-occupied loans only. This is not a commitment to lend.

Flagship program

Closing on a new construction condo?

Strictly asset-based acquisition bridge loans at completion. Foreign nationals and entity buyers welcome, up to 65% LTV, 12 months plus extensions. We are experts in developer closings and know the process end to end, with a decade of lending experience behind every commitment.

I.

Send the contract

The purchase contract and the developer's closing notice are enough to start.

II.

Soft terms in 24 hours

Indicative terms and a pre-approval letter for the developer within a day.

III.

Expedited diligence

Lender due diligence run to the developer's timeline.

IV.

Cash to close

Funds at the closing table on the closing date.

Send a contract and closing notice → Program terms →

Agents and brokers: we work to your buyer's closing date. Broker fees paid at closing.

How we work

Four principles. No exceptions.

I.

Direct decisions

You deal directly with the capital that funds the loan, not a committee. Terms come from the people accountable for them.

II.

Underwrite everything

Public records, comparables, permits, and flood data on every file. Asset-based underwriting, minimal KYC, verified figures.

III.

Transparent economics

Pricing, fees, and extension terms are stated in the term sheet and honored at the closing table.

IV.

Protect relationships

Brokers stay in their deals and get paid at the table. Borrowers and investors are treated as partners.

Asset classes

What we lend on.

Single-family investmentAcquisition and refinance
Two to four unitsDuplex to quadplex
MultifamilyValue-add and stabilized
Townhomes and condosNon-owner-occupied
Ground-up constructionPermitted, experienced GC
Mixed-useResidential over retail
OfficeValue-add and stabilized
RetailStrip and single-tenant
Industrial and warehouseFlex, storage, distribution
Self-storageStabilized and lease-up
Entitled landClear path to vertical
New construction condosClosings at completion

Most borrowers do not need a bigger lender. They need a decisive one.

Monterey Capital Group

Have a deal? Engage Monterey today.

Send the property, the numbers, and your timeline. Soft terms in 24 hours, approval in days.

Submit a deal → [email protected]