One structure, six loan programs.
Rates starting at 8.95%. Short-term, interest-only, first-lien loans for business purposes: buy, refinance, renovate, build, or rescue. Soft terms in 24 hours, approval in days, no hidden fees. Parameters are indicative; final terms are set deal by deal on collateral, basis, sponsor, and exit.
Program guidelines as of September 2026, subject to change without notice. Starting rates shown; final pricing and leverage are set in underwriting based on borrower profile, experience, liquidity, market, and property characteristics. Business-purpose, non-QM, non-owner-occupied loans only. Positions are first lien in typical structures; mezzanine is considered selectively where senior leverage is low and the equity cushion is meaningful. Monterey Capital Group does not and will not make consumer or owner-occupied residential loans. Leverage is measured on as-is value for bridge and acquisitions, after-repair value for fix and flip, total project cost for ground-up construction, and value for new construction closings. Foreclosure bailouts are structured case by case and not offered on published terms. Foreign national borrowers qualify on the same terms. This is not a commitment to lend.
New construction closings.
Strictly asset-based financing for investors closing on new construction condos, when certainty to close is the whole point. We are experts in developer closings and know the process end to end: a lender with a decade of experience.
Send the contract
Send the purchase contract and the developer's closing notice. That is enough to start.
Soft terms in 24 hours
Indicative terms within 24 hours and a pre-approval letter for the developer.
Expedited diligence
Lender due diligence run to the developer's timeline, not the other way around.
Cash to close
Funds at the closing table on the closing date.
A lender you can count on to close.
Asset-based underwriting
Minimal KYC.
Certainty to close
A decade of lending experience. We close quick. Terms we issue are terms we fund.
Quick, easy, no surprises
Approval in days. Interest only. No hidden fees.
Foreign nationals welcome
No US credit history required. Same terms as every borrower.
Priced on the term sheet. Honored at close.
Pricing
All economics are stated in the term sheet up front and honored at closing. No repricing at the table.
Extensions
Extension options are defined and priced before you sign, not negotiated under pressure at maturity.
Draws
Renovation and construction draws administered against inspected progress, with defined turnaround times.
No hidden charges
Third-party costs such as title, appraisal, and legal pass through at cost. Everything else is on the sheet.
Your deal. Your fee. Protected.
Brokers and agents are core channels for our platform. Register the deal, stay in the loop through closing, and get paid at the table: broker fees are paid at closing, and on purchases we work to your buyer's closing date. We do not circumvent our referral sources.
Answered before the first call.
How fast can you issue terms?
Soft terms within 24 hours of receiving the deal summary, or for a closing, the purchase contract and the developer's closing notice. Approval in days.
Do you lend to foreign nationals?
Yes. No US credit history required, and foreign nationals qualify on the same terms as every borrower. Entity buyers are welcome.
What do you need to get started?
For a new construction closing, the purchase contract and the closing notice. For every other program, the property, the basis, the requested amount, and your timeline. Underwriting is asset-based with minimal KYC.
What leverage do you offer?
Up to 65% across programs. That is measured on as-is value for bridge and acquisitions, after-repair value for fix and flip, total project cost for ground-up construction, and value for new construction closings.
What are the rates and terms?
Rates from 8.95%, interest only, first lien. Terms of 12 to 24 months with extensions available, and 12 months plus extensions for condo closings. Foreclosure bailouts are structured case by case.
What loan sizes do you fund?
Up to $5M. Larger loans are evaluated on a case-by-case basis.
How are brokers and agents protected?
Register the deal and stay in the loop through closing. Broker fees are paid at closing, and on purchases we work to your buyer's closing date. We do not circumvent our referral sources.