Who We Help

Financing Built Around the Borrower — Whoever You Are

Private-Money Lending for Investors, Builders, Brokers, and Beyond

EXP Capitals works with a broad range of borrowers and financing needs through our lending partner network. Whether you're flipping your first property, scaling a rental portfolio, developing ground-up, or seeking specialized financing for a church or adult family home — our team reviews your scenario and connects you with the right lending solution. Available programs subject to lender review, borrower qualification, property eligibility, and underwriting.

Real Estate Investors & Fix-and-Flippers

Move Fast. Close Deals. Invest with Confidence.

Real estate investors and fix-and-flippers need capital that moves at the speed of the deal. EXP Capitals works with lending partners offering programs designed to fund acquisitions, rehab projects, and bridge positions — so you can act on opportunities without waiting for traditional bank timelines.

Relevant programs include Fix & Flip loans, Hard Money loans, Bridge loans, DSCR refinance, and Rental Portfolio financing. Loan availability, rates, LTV, and terms are subject to lender review, property eligibility, borrower credit profile, experience, liquidity, and underwriting.

Programs we work with:

  • Fix & Flip Loans
  • Bridge Loans
  • Hard Money Loans
  • DSCR Refinance
  • Single-Property Rental
  • Rental Portfolio Loans
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Builders & Developers

Ground-Up Construction and Development Financing

Builders and developers require specialized financing that accounts for project timelines, draw schedules, and construction risk. EXP Capitals partners with lenders who offer ground-up construction loans, multifamily bridge financing, and commercial property programs structured around how development projects actually work.

Whether you're breaking ground on a single spec home, a multi-unit residential project, or a mixed-use commercial development, our team can review your project scenario and identify financing options through our lending network. All programs subject to lender approval, project feasibility, borrower experience, liquidity, and underwriting.

Programs we work with:

  • Ground-Up Construction Loans
  • Multifamily Bridge Financing
  • Commercial Property Loans
  • Mixed-Use Property Financing
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Specialty Borrowers

Financing for the Borrowers Banks Often Overlook

EXP Capitals works with lending partners to serve borrowers with specialized financing needs — including adult family home operators, churches, and nonprofit organizations. These programs are less common but critically important to the communities they serve. Qualification depends on borrower profile, property, collateral, and lender underwriting criteria.

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Adult Family Home Operators

Operators of adult family homes seeking to purchase, refinance, or leverage their property for capital may access specialized lending programs through EXP Capitals' lending partner network. Refinance and purchase options available, subject to property type, eligibility, and lender review.

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Churches

Faith-based organizations and churches often face challenges securing traditional financing for property purchase, expansion, or refinance. EXP Capitals works with lending partners who understand the unique financial structure of religious organizations. Programs subject to lender review, property eligibility, and underwriting.

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Nonprofit Organizations

Nonprofit organizations looking to acquire, refinance, or leverage real estate may qualify for private-money lending programs through EXP Capitals. Our team reviews each scenario individually, connecting organizations with appropriate lending solutions. All programs subject to qualification and lender approval.

Brokers & Loan Originators

Expand Your Business with a Private-Money Lending Partner

If you're a mortgage broker, loan originator, or real estate professional placing deals with private-money lenders, EXP Capitals is designed to be your lending partner. We review deal scenarios across a wide range of loan types and property classes, so you can bring more scenarios to the table for your clients.

We work with brokers on fix & flip, ground-up construction, bridge, hard money, multifamily, commercial, DSCR, and refinance deals. Broker compensation, referral fees, or origination compensation may apply where permitted by law. Deal acceptance subject to lender review, borrower qualification, and underwriting.

Deal Types We Review

  • Fix & Flip
  • Ground-Up Construction
  • Bridge Loans
  • Hard Money Loans
  • Multifamily
  • Commercial Properties
  • Mixed-Use Properties
  • DSCR & Rental Refinance
  • Adult Family Home Refinance
  • Church & Nonprofit Financing

First-Time Investors

New to Real Estate Investing? There's a Program for You.

Many private-money lending programs require experience — but EXP Capitals works with lending partners who offer loan programs specifically designed for first-time investors and first-time fix-and-flippers. Our team guides you through the process: from reviewing your deal scenario to packaging the file and connecting you with the right lender. All programs subject to lender review, borrower qualification, credit, liquidity, property eligibility, and underwriting.

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First-Time Investor Program

If you're purchasing your first investment property — whether a rental, a BRRRR, or a value-add acquisition — specialized programs exist to help first-time investors qualify. Our team reviews your financial profile, property scenario, and investment plan to find matching lenders in our network. Subject to lender review and underwriting.

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First-Time Fix & Flip Program

Never flipped a house before? Programs designed for first-time fix-and-flippers account for limited track record, providing a pathway to fund your first acquisition and rehab project. Guidance through the submission, packaging, and lender connection process is part of what EXP Capitals offers. Subject to lender review, ARV, rehab scope, credit, and liquidity.

Ready to take the first step? Submit your scenario for a no-obligation funding review.

Get Started Today

Ready to Review Your Scenario?

Whether you're a first-time flipper, an experienced developer, a specialty borrower, or a broker placing deals — EXP Capitals is ready to review your financing scenario and connect you with lending solutions through our partner network. Submission does not guarantee approval or funding. All programs subject to lender review, borrower qualification, property eligibility, and underwriting.