Frequently Asked Questions

 Yes! At TrustBridge Capital™, we value long-term partnerships with real estate investors and developers. Borrowers who have successfully closed two or more loans with us may qualify for preferred pricing and reduced fees on future transactions, provided the terms and property profile are similar to past deals. 

 At TrustBridge Capital™, we do not impose a strict minimum credit score requirement. Instead, we evaluate each borrower’s overall financial picture, including:

• Full credit history and payment patterns
   
• Experience with similar real estate projects
   
• Verified liquidity and assets
   
• Strength of the investment property
   

We understand that credit scores can fluctuate—especially for active investors managing multiple properties. Rather than relying on a single number, we focus on your full track record and financial strengths, making funding accessible to experienced investors and developers with strong portfolios. 

 At TrustBridge Capital™, speed is one of our core advantages. With all required documentation submitted promptly, many loans can close in as little as 3–5 business days.

Our typical funding timeline:

• Standard Closings: Within 10–14 days of initial consultation
   
• Expedited Closings: As fast as 3–5 days, with a transferable appraisal and completed title work
   
• Seamless Execution: Dedicated underwriting and funding teams to ensure smooth, predictable closings
   

We specialize in fast, relationship-driven lending to help investors move quickly on competitive real estate opportunities.

 At TrustBridge Capital™, we provide tailored financing solutions for projects of all sizes:

• Direct Lending: $75,000 – $15,000,000 (standard private lending programs)
   
• Specialized Financing: Up to $50,000,000 with in-house capital
   
• Strategic Partnerships: Up to $250,000,000 through syndicated lending and capital markets
   

This flexibility allows us to serve experienced investors, developers, and operators pursuing everything from small-scale renovations to institutional-grade projects. By combining relationship-driven lending with capital markets expertise, we deliver a single, curated solution for nearly any funding need.

 At TrustBridge Capital™, we do not impose rigid income requirements like traditional banks. Instead, we evaluate your overall financial strength and project viability, focusing on:

• Ability to make scheduled interest payments
   
• Liquidity, reserves, and capital available
   
• Experience with similar investments or developments
   
• Strength and profitability of the underlying property
   

We’re designed for real estate investors and developers who may not fit conventional lending guidelines. Our team prioritizes deal strength and borrower capability over strict income thresholds, making private capital accessible to active operators and growth-minded sponsors.

 No, good credit is not a strict requirement to secure funding with TrustBridge Capital™. While we review the credit history of all guarantors, we focus more on:

• The strength of the property or project
   
• Your real estate investment experience
   
• Verified liquidity and available reserves
   
• A well-structured plan for the deal
   

This approach makes us an ideal lending partner for investors, developers, and business owners who may not fit traditional bank credit models but have strong overall profiles and growth potential.

Yes, borrowers are generally expected to have some cash on hand at closing to cover:

• Standard closing costs
   
• Prepaid interest and fees during the loan term
   
• Potential reserves for project-related expenses
   

For rental loans (DSCR) and certain bridge programs, however, we offer the flexibility to roll most closing costs into the loan, helping minimize upfront cash requirements and preserve liquidity for your project.

Our goal is to provide tailored funding options that align with your investment strategy while ensuring a smooth, predictable closing process.

 No, prior real estate investing experience is not required to secure financing with TrustBridge Capital™. While experience can be an advantage, we proudly work with:

• First-time borrowers seeking their first investment property or project
   
• Growing investors scaling their portfolios
   
• Seasoned developers looking for flexible private capital solutions
   

Our team provides hands-on guidance throughout the process to ensure a seamless closing, regardless of your experience level. Whether this is your first deal or your fiftieth, you’ll have a dedicated partner to help structure financing for success.

 Yes. At TrustBridge Capital™, loan points (origination fees) can often be rolled into your financing rather than paid fully out-of-pocket at closing. The ability to finance points depends on:

• The overall loan structure and leverage
   
• Property strength and project type
   
• Borrower’s track record and liquidity
   
• Specific program terms (Fix & Flip, BuildSmart™, RentFlow™, ProComm™)
   

This structure helps preserve cash flow for renovations, acquisitions, or working capital, while keeping upfront costs to a minimum.

 Starting the loan process with TrustBridge Capital™ is simple and streamlined through our DealPort™ – Quick Application:

1. Complete the DealPort™ Quick Application:
   Submit your project details online—property address, purchase price, rehab budget, and desired loan amount—using our secure DealPort™ portal.
    
2. Initial Review & Consultation:
   Our lending team will review your submission and connect with you to discuss your goals, deal structure, and funding needs.
    
3. Preliminary Loan Terms:
   We’ll provide an estimated loan structure and cost breakdown so you know exactly what to expect before moving forward.
    
4. Appraisal & Term Sheet:
   Once you’re ready, we’ll coordinate an appraisal (paid directly to the appraiser) and issue a detailed Term Sheet outlining all loan terms and costs. No payment is required until terms are confirmed.
    

Our approach is fast, transparent, and investor-focused, helping you secure funding quickly and efficiently.

 We don’t require extensive paperwork to begin, but providing a few key documents helps us move quickly and accurately. To streamline your evaluation, we recommend submitting:

• DealPort™ – Quick Application: Your loan request form with property and deal details.
   
• Purchase Contract (if available): Helps confirm acquisition price and terms.
   
• Proposed Scope of Work or Budget: For Fix & Flip or construction projects, this helps us underwrite efficiently.
   
• Comparable Sales or Valuation Data: Any market insights you provide can speed up our review.
   

Even without all documents ready, you can start the process immediately. Our team will guide you step-by-step and let you know exactly what’s needed next to finalize your loan.

 Our standard offering is a 12-month, interest-only loan with the principal due at maturity, making it ideal for real estate investors and developers seeking short-term financing. We also offer flexible term options of 12, 18, 24, or 36 months, depending on the project scope and borrower needs.

Key highlights of our structure:

• Interest-Only Payments: Keep monthly payments lower to preserve cash flow.
   
• No Prepayment Penalties: Pay off your loan early without added costs.
   
• Flexible Term Options: Choose terms that align with your investment timeline.
   
• Investor-Focused Underwriting: Designed for fix & flip, bridge, DSCR, and development loans.
   

This structure gives you the ability to move quickly, stay liquid, and scale projects without traditional banking hurdles.

 Generally, TrustBridge Capital™ provides loans to formal business entities such as Limited Liability Companies (LLCs) or Corporations. This structure offers liability protection, better financing flexibility, and is the standard for most real estate investment and development projects.

However, we do make an exception for Home Equity Lines of Credit (HELOCs):

• Owner-Occupied Properties: Homeowners can access equity for renovations or cash-out purposes.
   
• Non-Owner-Occupied Properties: Investors can leverage equity in rental or investment properties.
   

If you’re an individual seeking other types of financing, we recommend establishing a business entity to qualify for our full suite of lending programs.

 Yes. Personal guarantees (PGs) are required from all principals with significant ownership in the borrowing entity. This is standard practice in private lending and adds an extra layer of security for both parties.

Key details:

• Ownership Threshold: Any principal with 19% or more ownership, as outlined in the Operating Agreement (O/A), must serve as a guarantor.
   
• Responsibility: A PG links repayment responsibility to the guarantor’s personal assets, reinforcing trust and execution.
   
• Purpose: This structure protects lenders, investors, and borrowers by ensuring accountability and smooth funding execution.
   

By requiring personal guarantees, TrustBridge Capital™ is able to provide competitive rates, flexible terms, and fast closings while maintaining security for all stakeholders.

 In general, TrustBridge Capital™ only offers business-purpose loans for investment properties. This means that:

• All loans are intended for non-owner-occupied properties used for investment or development.
   
• We do not provide consumer-purpose loans for primary residences or personal use.
   

Exception:
We do offer Home Equity Lines of Credit (HELOCs) for both owner-occupied and non-owner-occupied properties as a flexible financing solution.

This ensures we remain focused on serving real estate investors and developers while providing specialized programs, like HELOCs, when individual financing needs arise.

 As a rule, TrustBridge Capital™ requires a first lien position on all loans to ensure security and streamline execution. We do not accept secondary or subordinate lien positions for standard business-purpose financing.

Exception:
Our Home Equity Lines of Credit (HELOCs) can be structured in second or third lien positions, allowing homeowners and investors to access capital while keeping existing first-position loans in place.

This approach protects our investors and borrowers while giving select HELOC borrowers flexibility to tap into equity without refinancing their primary loan.

 Yes. TrustBridge Capital™ offers financing for ground-up construction projects, but this program is geared toward experienced developers and contractors.

To qualify:

• Borrowers must have successfully completed at least one new construction project within the past 36 months.
   
• Experience requirements ensure smooth execution, accurate budgeting, and timely completion.
   
• We structure flexible loans to fund land acquisition, vertical construction, and soft costs with competitive leverage.
   

This experience-driven approach allows us to confidently fund residential subdivisions, multifamily developments, and custom or luxury builds, while ensuring success for all parties.

 At TrustBridge Capital™, we’re more than just a lender — we’re a strategic capital partner. Our competitive edge comes from:

1. Direct Lending Power: We control our own funds, enabling faster approvals, flexible structures, and certainty of execution.
    
2. Strategic Capital Brokerage: Through our extensive capital network, we design custom solutions for complex or large-scale deals.
    
3. Personalized Service: Every deal receives hands-on attention from our leadership team, ensuring no two financing plans are the same.
    
4. Proven Execution: With deep industry experience, we move at the speed of the market to help borrowers capitalize on time-sensitive opportunities.
    

We don’t just provide loans — we engineer capital solutions. By blending direct lending with institutional-grade brokerage expertise, we deliver precision financing that helps investors, developers, and entrepreneurs scale confidently.

 At TrustBridge Capital™, speed is one of our greatest advantages. We can issue:

• Letter of Intent (LOI): Within 2 hours of receiving a complete loan package.
   
• Preliminary Approval: Typically within 4–6 hours.
   
• Formal Term Sheet & Approval Letter: Usually 7–14 days for straightforward deals, and 10–20 days for complex or large-scale projects (timeline depends on how quickly required documentation is provided).
   

Expedited Service:
For urgent or time-sensitive transactions, we offer a 24-hour decision option. This requires:

• Clear communication and immediate document submission
   
• A $995 rush fee paid directly to escrow (covers attorney rush services)
   

Our goal is to move as fast as you do, ensuring you never miss an opportunity because of financing delays.

 Yes, loan costs can often be rolled into the loan amount rather than paid out of pocket at closing. This depends on the specifics of your deal, loan structure, and borrower profile.

Our underwriting team evaluates each request individually to determine feasibility while keeping your project well-capitalized. Financing loan costs is a common strategy we use to:

• Preserve Cash Flow: Minimize upfront out-of-pocket expenses.
   
• Streamline Closings: Reduce cash requirements at settlement.
   
• Support Investors: Keep more liquidity available for renovations, operations, or future opportunities.
   

We design flexible funding solutions so your loan structure aligns with both lender requirements and your financial strategy.

 Yes. At TrustBridge Capital™ (TBC), building direct, long-term relationships with our borrowers is a cornerstone of our approach. From your first inquiry through loan closing and beyond, you’ll work directly with a dedicated team that includes:

• Sales & Relationship Managers who understand your goals
   
• Underwriters & Analysts who structure the deal strategically
   
• Processing & Closing Specialists to ensure a seamless experience
   
• Executive Oversight on larger or complex transactions
   

We’re not a faceless lender. We pride ourselves on clear communication, personalized support, and strategic guidance at every stage of the process, making sure you feel confident navigating your financing with a trusted partner by your side.

 Yes. TrustBridge Capital™ offers refinancing options for properties you already own and plan to rehabilitate and sell. This program is designed exclusively for investment properties and is not available for owner-occupied homes.

Key details:

• Non-Owner-Occupied Requirement: The property must be strictly for investment, with no plans for the borrower to reside in it.
   
• Rehab & Resale Focus: Refinancing is ideal for investors who want to free up equity, restructure debt, or access additional funds to complete renovations.
   
• Flexible Loan Structures: We design solutions to maximize leverage while keeping your project well-capitalized.
   

This allows investors to unlock liquidity, finish projects faster, and boost ROI while keeping financing aligned with business-purpose guidelines.

 Our standard lending structure typically covers:

• Up to 90% of purchase price
   
• 100% of rehab or construction costs
   
• Total leverage aligned at 65–80% of After-Repair Value (ARV)
   

For select, high-potential projects with strong sponsors, we do offer custom 100% financing packages. These full-capital solutions are reserved for experienced developers and standout opportunities that meet strict underwriting and risk requirements.

Please note:

• 100% financing is highly specialized and may extend closing timelines.
   
• Deals are reviewed case-by-case to ensure the structure benefits both borrower and lender.
   
• We prioritize projects that have exceptional ROI potential, experienced sponsorship, and strong exit strategies.
   

If your project qualifies, we’re ready to explore a fully tailored capital solution to bring your vision to life.

 Yes, full financing is available for select, high-potential projects. While our standard programs cover up to 90% of the purchase price and 100% of rehab or construction costs (with leverage aligned at 65–80% of ARV), we do provide custom 100% financing packages for standout opportunities.

Key details:

• Project Review: We evaluate your scope of work, draw schedule, and exit strategy to determine eligibility.
   
• Strict Criteria: 100% financing is reserved for experienced developers and exceptional projects that meet our underwriting standards.
   
• Custom Structures: These deals may involve longer timelines, but they’re tailored to help you maximize leverage and execute your vision.
   

This approach ensures our financial commitment aligns with your project’s success, supporting you every step of the way.

 We specialize in business-purpose real estate loans for:

• Single-Family Residential (1–4 units)
   
• Multifamily Properties (5+ units)
   
• Mixed-Use Buildings with a strong residential component
   
• Small-Balance Commercial Assets aligned with investment or development strategies
   

These asset classes allow us to leverage our expertise in fix-and-flip, new construction, DSCR, and bridge lending.

Property Types We Typically Do Not Finance:

• Owner-occupied primary residences
   
• Manufactured or mobile homes
   
• Raw land without approved plans or permits
   
• Properties in extremely rural or difficult-to-access locations
   

Our lending focus is on assets we can confidently underwrite, value, and close quickly—ensuring our borrowers receive fast, strategic financing solutions tailored to their project goals.