Loan Programs

Capital Built Around Your Project

Every Steel Capital loan comes with no application fee, no prepayment penalty, and interest-only payments — so your capital works as hard as you do.

Fix & Flip

Funded Directly by SCP

12 month terms + extension options
Amounts up to $1,000,000
Up to 95% of purchase price
Up to 100% of rehab costs
Up to 75% ARV
No prepayment penalty
Approvals in 24-48 hours
No application fee

Refinancing

Funded Directly by SCP

Terms 12-18 months + extension options
Amounts up to $1,000,000
Up to 100% of rehab costs
Up to 75% ARV
No prepayment penalty
Approvals in 24-48 hours
Interest-only payments
No application fee

New Construction

Funded Directly by SCP

Terms up to 18 months with extensions
Amounts up to $1,000,000
Up to 65% of permitted land purchase
Up to 100% of build costs
Up to 70% ACV
No prepayment penalty
Approvals in as little as 1 week
No application fee

DSCR Mortgage Options

Funded via SCP Partner Firm

30 Year Fixed Rate and ARM Options
Max Loan Amount: $2.0M
Min Property Value: $100K
Up to 80% on Purchase/Refi
Up to 75% Cashout Refi
1.2x Required DSCR
Flexible Prepayment Options
Min Guarantor FICO of 680