Our Services
Commercial Loans
Commercial lending happens when a business borrows money to pay for business expenses, real estate, or equipment purchases required to operate and expand.
These loans range from short-term to long-term real estate loans reaching 30 years.
The borrower needs to provide collateral to secure the loan.
We can approve you in minutes, guarantee low rates, and get you funded fast!
Private Money Loans
Private money loans are loans given to an individual or a company by a private organization or wealthy investor.
Offered to borrowers without the traditional qualification guidelines required by a bank or lending institution.
Could be risky for the borrower and for the lender, but they provide more freedom.
Follow the current prevailing interest rates. However, they can be more expensive.
IRCA Capital must be diligent and discerning when offering private money to borrowers.
We have over 25 private investors and will provide you with rapid funding.
Construction Loans
IRCA Capital is actively funding new construction projects with hard
money loans and conventional commercial loans. When conventional financing is not the right fit for the constructor or developers, you can trust IRCA Capital as your top hard money lender.
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IRCA Capital funds 90% to 100% of the construction.
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Our underwriting criteria are flexible; however, we will not fund the loan if the borrower's experience does not convince us.
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We specialize in hard money-style financing for real estate investors and developers who require quick closing, outside-the-box thinking, and the utmost professional service.
Hard Money Lending
Hard money loans are loans from a private lender backed by a tangible asset like real estate.
These loans have shorter terms and higher rates than traditional mortgages.
The asset being purchased is used as the collateral for the loan, reducing the risk for both the borrower and lender.
Used for quick turnarounds between the purchase and sale of a property.
Can also be used for quick home financing until the buyer secures a traditional loan.
Used in the real estate industry when investors buy homes in need of repairs, fix them up, and then sell them for a profit.
This is known as flipping and can be hard to get financing for.
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Land Loans
Land development loans provide funding for the soft cost and the
entitlements required for development such as hiring architects, engineers, and environmental and other consultants.
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We have a greater understanding and appreciation for land loans than many lenders.
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Our underwriting is based on the future completed value of the asset.
Fix and Flip
If you plan to rehab a residential property and sell it within a short period of time, a fix and flip loan is what you need. At IRCA Capital we will find you a loan program that adapts to your situation and covers exactly what you need.
We help real estate investors reduce the costs of renovating properties by providing quick access to flipping loans of up to 90% of the purchase and 100% of the rehab with flexible terms to make the process as smooth as possible.
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