Services

CT Capital is located in Fort Lauderdale, Florida and serves brokers and borrowers across the state. As a direct lender and seasoned real estate investor, we offer many services which others are unable to provide:

Industry Experience: CT Capital’s management team has been investing in commercial and residential real estate in the State of Florida for over 20 years. Our team has extensive experience in the local banking, mortgage and real estate industries. We are confident that we will be able to structure a loan that will enable you to move ahead with your project.

Proven Reliability: Our management makes the final decision whether or not to accept a loan in the shortest time period possible. We stand by our commitments and strive to continually improve our processes. If your loan does not meet our criteria, we will refer you to a lender who may accept it.

Exceptional Flexibility: We consider every investment unique and will structure our loans differently to suit each and every situation.

Rapid Closings: CT Capital is institutionally funded. We do not need to search for private investors to fund your loan. This has allowed us to streamline our process and completely eliminate the chance of your loan not funding. We have the ability to fund on projects that meet our criteria as soon as we have received a complete package.

Examples of Loan Uses by CT Capital’s Borrowers

Real Estate Acquisitions
Borrowers interested in purchasing commercial, industrial, land, and residential real estate property may find that credit ratings, legal obstacles or conditions related to the property itself (such as liens, unfinished building, damage, etc.) may prevent standard funding from banks.

In these circumstances, hard money loans offer a perfect short-term solution. Hard money funding can provide enough time to cure many situations, so the property may later be sold or conventional funding can be obtained.

REO/Bank Short-Sales
CT Capital is one of the leading financers of REO and Short Sale Acquisitions. These are short term loans for the purchase of bank owned or pre-foreclosure properties. In these situations, we will pre-qualify the borrower and property, provide the new borrower with a proof of funding commitment, and close on the property as quickly as possible.

Rehabilitation Loans
One of the most requested types of hard money loans is for the purpose of improving commercial or residential property. The proceeds are used to improve the property, which may then be leased, or re-sold for a profit. Hard money can work well in this situation because of a quick turnaround time and flexible lending criteria.

Re-Finance
Hard money loans may be used as a temporary solution to obtain a re-finance for a commercial, investment or non owner-occupied residential property. CT Capital often completes hard money loans for refinance in a situation where immediate funding is needed.

Construction Loans
CT Capital specializes in funding hard money loans for a construction project if it is at least 75% completed. At this time, we can collateralize the property before a bank can provide a long-term loan. We can bridge the gap between completion and profitability.

Land Loans
Land and lot loans are done on a case-by-case basis with a maximum LTV of 50%. Funding for these loans will give the investor enough time to rezone the property, obtain a construction loan or sell the parcel for a profit.