Universal Capital

Please be advised that we are not affiliated in any way with Universal Capital Loans of California

New England’s Premier Hard Money Lender

Short-Term Financing for Real Estate Investments

Loan officer on call this weekend is: Keith Martine

Loan Types

Our core loan program is described below. Because we underwrite and make loan decisions in-house we can adapt our program based on the loan scenario and the risk. The program listed below provides a guide to understand our parameters. Please contact us directly with any scenarios you have.

Property types


  • Single family (SFR)
  • 2 – 4 Family (Multi-Family)
  • Commercial
  • Land

Loan Types


  • Rehab/ Renovation
  • New Construction
  • Condo Conversion & Development
  • Land Development & Subdivision
  • Change of Use
  • Short-Term Bridge Loans
Loan Parameters
Loan Size $100,000 – $3 million
Loan Term 6 -12 Month Terms – Extensions available at lender discretion
Loan Category Private Commercial (“Hard Money”)
Payments Payments are interest-only due every 30 days, 1st mortgages only
Loan to ARV Typically 70% of Current or After Renovation Value (ARV) – Higher amounts are negotiable
Down Payment Minimum of 5-20% of the purchase price as a down payment, determined by scenario
Ownership Must be non-owner occupied/investment only
Time to Close 5 – 7 Business Days – Subject to Title
Security 1st Mortgage Loans Only
Underwriting Collateral-Based Lending
Interest Rate/Points Call to Discuss
Lending Areas MA, NH, ME, RI, CT, FL and others available depending on location/loan scenario
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