Need quick answers? Reach out anytime at customercare@trustbridgecap.com
Yes. We value long-term relationships with serious investors.
Borrowers who have successfully closed two or more loans with us may qualify for preferred pricing and reduced fees on future transactions—especially when deal profiles and execution remain consistent.
We do not rely on one universal minimum credit score across every program.
Depending on the product and overall scenario, we may consider credit scores as low as 500 on some programs and 550 on others. For the best pricing and leverage, borrowers typically want to be at 660+.
Instead, we evaluate the full borrower profile, including:
We focus on execution, experience, and deal strength—not just a single number.
Speed is one of our core advantages.
With a complete file and responsive third parties (title, appraisal), we can close in as little as 3–5 business days.
Typical timelines:
For borrowers who need to move faster, we offer a Fast Track option that prioritizes appraisal, title, and underwriting. This is most commonly used for 1–4 unit properties.
Our in-house underwriting and funding teams keep deals moving efficiently from submission to closing.
We provide financing across a wide range of deal sizes, depending on the asset and structure:
Loan size is driven by the strength of the deal, borrower experience, and asset type—not a fixed box.
Whether it’s a single-property investment or a larger portfolio or development, we structure financing to fit the scenario.
We do not impose strict income requirements like traditional banks.
Instead, we evaluate the overall borrower profile and deal strength, including:
For many of our investment loan programs, income documentation is not required.
We focus on execution, liquidity, and deal viability—not W-2s or tax returns.
No—good credit is not a strict requirement.
While we review the credit profile of all guarantors, we place significant weight on:
For some programs, we may consider scores as low as 500; for others, 550 may be the floor. For the best pricing and leverage, borrowers typically want to be at 660+.
We focus on execution, liquidity, experience, and deal strength—not just a single credit score.
Yes—borrowers should expect to bring some cash to closing.
This typically covers:
Depending on the scenario, borrowers are generally expected to have meaningful liquidity or equity in the deal.
On many programs—especially DSCR and certain bridge loans—we can structure financing where most closing costs are rolled into the loan, reducing upfront cash required.
Cash to close ultimately depends on the leverage, deal structure, and program, but our goal is to maximize leverage while preserving your liquidity for the project.
Not always.
For Fix & Flip and some Ground-Up Construction scenarios, we can work with first-time investors.
For Ground-Up Construction, if the sponsor has no prior experience, we typically want the general contractor to have completed at least 3 similar builds within the last 36 months.
Experience can help with pricing, leverage, and overall loan structure, but lack of experience does not automatically disqualify a deal.
Yes—loan points (origination fees) can often be rolled into the loan instead of paid out-of-pocket at closing.
This depends on:
In many cases, this allows you to reduce upfront cash required and preserve liquidity for the deal.
Getting started is simple—our process follows a clear 7-step roadmap:
Our process is built to be fast, transparent, and execution-focused—so you can move with confidence and certainty.
You do not need documents to get started.
We can review your deal with just basic information—property address, loan request, and project details.
Before submitting to underwriting, we will typically request:
We keep the initial process simple, then gather what’s needed to move your deal efficiently through underwriting and closing.
Our standard structure is a 12-month, interest-only loan with the principal due at maturity.
We also offer flexible term options of 12, 18, 24, and up to 36 months, depending on the deal.
Key features:
This structure is designed to help you move quickly, preserve liquidity, and execute your investment strategy efficiently.
Most of our loans are made to business entities such as LLCs or corporations.
This structure provides better liability protection, flexibility, and scalability for real estate investors.
We do offer exceptions for certain programs, such as HELOCs, which can be done in an individual’s name.
If you do not already have an entity, we can guide you through setting one up so you can access our full range of financing options.
Yes—personal guarantees are typically required from principals with meaningful ownership in the borrowing entity.
In most cases:
Requirements may vary depending on the deal, structure, and sponsor profile, but personal guarantees are standard across most private lending transactions.
In general, we provide business-purpose loans for investment properties.
This means:
Exception:
We do offer HELOC programs, which can be available for both owner-occupied and non-owner-occupied properties, depending on the scenario.
Our focus is on real estate investors and developers, with flexible options available where appropriate.
For most of our loan programs, we require a first lien position.
We do not offer subordinate (second or third lien) positions on standard business-purpose loans.
Exception:
Our HELOC program can be structured in 1st, 2nd, or 3rd lien positions on investment properties, depending on the scenario.
This provides flexibility to access equity without refinancing an existing loan.
Yes—we offer financing for ground-up construction.
We can work with first-time developers in certain scenarios. If the sponsor does not have prior experience, we typically require the general contractor to have completed at least 3 similar builds within the last 36 months.
We structure loans to fund land acquisition, construction, and soft costs, based on the strength of the deal and team.
Experience helps with pricing and leverage, but lack of experience does not automatically disqualify a project.
We’re more than a lender—we’re built for execution.
Our edge comes from:
We don’t just provide loans—we deliver reliable capital and real execution when it matters most.
We move fast.
In most cases, we can provide initial feedback or a preliminary quote within hours of receiving your scenario.
Typical timelines:
For time-sensitive deals, we offer a Fast Track option that prioritizes underwriting, appraisal, and processing for faster decisions.
Timing depends on the quality of the information provided and deal complexity, but our goal is simple—move as fast as you do.
Yes—loan costs can often be rolled into the loan instead of paid out-of-pocket at closing.
This depends on the leverage, deal structure, and borrower profile.
In many cases, financing costs allows you to:
We structure loans to maximize leverage while maintaining a strong, financeable deal.
Yes—you will work directly with our team throughout the entire process.
From initial review through closing, you’ll have access to:
We keep communication clear, direct, and responsive—so you always know where your deal stands and what’s needed next.
You’re not dealing with a call center—you’re working with a team focused on execution and getting your deal closed.
Yes—we offer refinancing for investment properties you already own and plan to rehab and resell.
Key points:
We design these loans to help you unlock equity, fund the rehab, and execute your exit strategy efficiently.
In many cases, yes—depending on the strength of the deal and borrower.
Typical structures include:
For strong sponsors and high-quality deals, we can structure full capital (100%) solutions, covering both acquisition and construction.
These scenarios are case-by-case and depend on experience, deal strength, and exit strategy.
Our goal is to maximize leverage while keeping the deal financeable and execution-focused.
Yes—on many deals, we can finance up to 100% of rehab or construction costs.
Typical structures include:
For strong deals and experienced sponsors, we can also structure full capital solutions that cover both acquisition and construction.
All scenarios are case-by-case, based on the deal, borrower, and exit strategy.
Our focus is to maximize leverage while ensuring the deal is structured for successful execution.
We focus on business-purpose real estate loans across:
These cover our core programs—fix & flip, new construction, DSCR, and bridge lending.
Additional flexibility:
Typically not eligible:
We focus on assets we can confidently underwrite, value, and close quickly—so you get reliable execution.
TrustBridge Capital™
307 West 38th St, 16th Fl. Suite 1013, New York, NY 10018
Copyright © 2026 TrustBridge Capital LLC. All rights reserved. TrustBridge Capital™ is a private lender. Business-purpose loans only; not for personal, family, or household use. All loan programs are subject to underwriting, appraisal, and approval. Terms, rates, and programs may change without notice. State restrictions may apply. This is not an offer or commitment to lend.
Powered by PARTNERS MORTGAGE