Lending Pad
Loan Match
Welcome to Capital City Mortgage's FAST FUNDED™
The #1 Pre-Approval Hub for Real Estate Investors, Builders & Business Owners
Looking for funding? We've got you covered — FAST.
Whether you’re flipping homes, building new construction, or scaling your rental portfolio, FAST FUNDED™ connects you to powerful lending products that get you pre-approved in 5 minutes or less. No waiting. No hassle.
💼 Loan Products Available on FAST FUNDED™
✅ DSCR Loans
No income docs, no tax returns. Perfect for investors.
🏗️ New Construction Loans
Fund your next build without the wait.
🏡 HELOCs & Home Improvement Loans
Tap into your equity to renovate or invest.
🏢 Commercial Loans
Multifamily, office space, or mixed-use—get funded fast.
💳 Business & Personal Credit Lines
Access $25K to $350K for working capital.
⚡ Bridge Loans/ Hard Money
Short-term solutions for big opportunities.
💰 Stated Income Loans
For entrepreneurs who don’t fit the traditional box.
⚡ How It Works
💥 Pre-Approvals in Under 5 Minutes
📉 Soft Credit Pull — No Score Impact
🚀 Lender Network with 24-48hr Closings
🔐 Secure, Private, and Built for Speed
📲 Mobile Friendly – Get Approved on the Go
🎯 Who It’s For
  • Real Estate Investors (DSCR, Fix & Flip, Buy & Hold)
  • Builders & Developers (New Construction, Ground-Up)
  • Homeowners (HELOCs, Home Improvement Loans)
  • Entrepreneurs (Business Funding & Lines of Credit)
Built by Experts. Trusted by Professionals.
FAST FUNDED™ is powered by Capital City Mortgage who has helped thousands secure funding for their real estate and business goals.
🚀 Ready to Get FAST FUNDED?
👇Pick Your Product Snapshot and Start Your 5-Minute Pre-Approval Now 👇
Looking for DSCR Loans?
Investment Property Financing Without the Paperwork
DSCR (Debt Service Coverage Ratio) loans evaluate properties based on their income potential rather than your personal finances. This means:
No Paperwork Stress
No tax returns or income documentation required
Property-Based Qualification
Qualification based on property cash flow
Scale Your Portfolio
Perfect for scaling your real estate portfolio
Flexible Loan Amounts
Loan amounts from $100K to $5M
Competitive Rates
Competitive rates starting at 6.75%
Loan to Values Up to 85%
1-4 Family Units
Purchase or Refinances
Rate & Term and Cash Out Refinances
Credit Score Requirements
660 Minimum Credit 80% LTV
700 Minimum Credit 85% LTV Purchase
680 Minimum Credit Scores 75% LTV Refinance
Debt-Service Coverage Ratio Loans for Real Estate Investors
New Construction & Development Financing
Ground-Up Construction
Finance your project from bare land to finished property with loans up to $10M. Receive up to 85% of construction costs and 65% of land value with competitive rates.
Renovation Loans
Transform distressed properties into profitable investments. Our renovation loans cover purchase and rehab costs with a single loan, minimizing paperwork and closing costs.
Development Lines
Access revolving credit lines specifically for developers managing multiple projects simultaneously. Draw funds as needed without reapplying for each project.
LENDER Options for Ground-Up Construction Loans
Build your next home or investment property — FAST.
New Construction loans designed for builders, investors, and developers.
Perfect for:
✔️ First-time builders or FSBA grads
✔️ Builders needing lot + build financing
✔️ Investors expanding their portfolio
Why New Construction Loans?
  • ✅ Lot purchase + construction funds in one
  • ✅ Interest-only during construction
  • ✅ Builder draws & inspections included
  • ✅ Close in as little as 15–21 days
📌 Owner-builders and partnerships welcome. Financing available with little experience.
Tap Into Your Equity: HELOCs
Home Equity Line of Credit

Did you know? Using a HELOC for investment property purchases can be significantly faster than traditional financing, often closing in as little as 10 days.
Access Your Property's Hidden Value
Whether you're looking to renovate your current property or leverage equity to expand your portfolio, our equity-based financing solutions provide flexible access to capital when you need it most.
Our specialized home improvement loans feature contractor direct-pay options, simplified draws, and interest-only payment periods during construction—perfect for major renovations or property flips.
$500K
Maximum HELOC
For qualified borrowers with substantial equity
90%
Combined LTV
Leverage up to 90% of your property's value
10 days
Average Closing
From application to funding
For most states, lines of credit start at $25,000 and go up to $400,000.
The minimum required credit score is 640 in most states for Primary Residence and 680+ for Investment properties.
  • For 5,10, and 30 Year Terms, the Loan Limits are as follows:
  • FICO Score of 640-850, minimum loan of $15,000
  • FICO Score of 640-679, maximum loan of $125,000
  • FICO Score of 680-699, maximum loan of $200,000
  • FICO Score of 700-739, maximum loan of $250,000
  • FICO Score of 740-759, maximum loan of $350,000
  • FICO Score of 760+, maximum loan of $400,000
Lender Options
📌 Primary residence or investment property eligible.
Bridge Loans or Hard Money Loans: Short-Term Solutions for Time-Sensitive Opportunities
No Appraisal Options
Quick Closing
Funding in as little as 7 days for qualified borrowers and properties.
Property Acquisition
Secure properties before conventional financing can be arranged.
Value-Add Projects
Fund renovations that increase property value before refinancing.
Exit Strategy
Refinance to long-term financing once property is stabilized.
Bridge loans provide crucial short-term capital when timing is critical. Whether you're capitalizing on a distressed property opportunity or need interim financing between property sale and purchase, our bridge solutions keep your investment strategy moving forward.
Lender Options for Bridge Loans/Hard Money Loans
⚡ Short-Term Funding for Fast Deals
Commercial Property Financing Solutions
Multifamily Properties
Specialized financing for 5+ unit residential buildings with terms up to 30 years. Competitive rates for properties with stabilized occupancy and strong cash flow.
Retail & Office Spaces
Flexible financing options for commercial retail and office properties with loan-to-value ratios up to 75%. Interest-only options available for properties undergoing tenant improvements.
Industrial & Mixed-Use
Tailored loan structures for industrial facilities and mixed-use developments. Non-recourse options available for qualified borrowers with proven track records.
With closing times averaging just 21 days, our commercial financing programs move at the speed of your business opportunities—not at the pace of traditional banks.
Lender Options for Commercial & Multifamily Loans
🏢 Funding for 5+ Unit, Mixed-Use, or Office Properties
Go big with commercial lending made easy.
From apartments to retail spaces, we've got the capital.
Perfect for:
✔️ Multifamily (5+ units)
✔️ Mixed-use or office conversions
✔️ Retail strip centers or warehouses
Why Commercial Loans?
  • ✅ DSCR-based underwriting available
  • ✅ Up to 75–80% LTV
  • ✅ Non-recourse options available
  • ✅ Fast-track closings with limited docs
📌 Must own in LLC or business name.
Capital Stack Personal Loan – Fast Funds. Smart Credit.
Capital Stack is our exclusive personal loan designed for individuals with credit scores of 680+ who need quick, flexible funding for business, personal growth, or debt consolidation—with no collateral required
  • Credit Score: 680+
  • Verifiable income (W-2, 1099, or business income)
  • U.S. resident, 18+ years old
  • Low-to-moderate debt-to-income ratio
Loan Features
  • Loan amounts: $10,000 – $100,000
  • Fixed interest rates
  • Terms up to 60 months
  • Fast approvals and funding—often within 48 hours
  • No prepayment penalties
Business Capital Stack Financing for Entrepreneurs & Self-Employed Investors
Traditional lenders struggle to understand the complex financial picture of entrepreneurs and self-employed professionals. Our stated income loan programs recognize that tax returns don't tell the whole story.
Who Benefits:
  • Real estate investors with multiple entities
  • Business owners with significant write-offs
  • Entrepreneurs between ventures
  • Professionals with irregular income patterns
  • Those with recent career changes but strong assets
Business Credit & Stated Income Loans
💳 Funding for Business Owners Without the Paperwork
Don’t fit the bank box? We’ve got options.
Qualify with stated income or your business performance.
Perfect for:
✔️ Entrepreneurs and freelancers
✔️ Realtors, contractors, or 1099 workers
✔️ Business owners scaling operations
Why Business Credit or Stated Loans?
  • ✅ No income docs required
  • ✅ Credit lines up to $350K
  • ✅ Get funds in 2–3 days
  • ✅ Build business credit and separate from personal
📌 Some options require 620+ credit and active business registration.

Qualification Simplified: Instead of complex income documentation, we focus on factors like credit score, cash reserves, and property details. Bank statement programs are also available as an alternative to full documentation loans.
Rapid Business Funding: Flexible Capital for Growth & Operations
Our rapid business funding provide revolving access to capital when you need it most. Unlike traditional loans, you only pay interest on what you use, making them ideal for:
  • Managing cash flow fluctuations
  • Funding unexpected opportunities
  • Covering operational expenses
  • Purchasing inventory or equipment
  • Scaling marketing campaigns
With credit limits from $25,000 to $350,000 and minimal documentation requirements, these flexible funding solutions adapt to your business needs without the rigid structure of conventional loans.
Quick Approval
Decisions within 24-48 hours based primarily on credit score and time in business.
Draw As Needed
Access funds via business checking transfers, dedicated cards, or ACH payments.
Document Checklist for Loan Submission
Loan Consultant will provide a list of documents required to complete the process!

Capital City Mortgage

Checklist for Mortgage Applications - Capital City Mortgage

Ensure a smooth and efficient mortgage application experience with our detailed checklist.

Capital City Mortgage's FAST FUNDED™ Loans offer
Real Estate & Business Financing That Moves at Your Speed
Secure the capital you need when opportunity strikes, not weeks later. Our diverse loan products are designed for investors and business owners who need decisions in days, not months.
Simply answer these quick questions to help us determine which product is best for you.
Partnership Programs for Real Estate Professionals
Realtor Partnership Program
Close More Deals with Capital City Mortgage
Real estate agents partnered with Capital City Mortgage gain a massive competitive advantage. Our 5-minute Fast Funded™ pre-approvals help your buyers compete in multiple-offer situations, our co-branded marketing materials position you as the go-to agent for serious buyers, and our weekly buyer workshops generate warm leads directly to you.
  • Co-branded flyers and marketing collateral
  • Weekly buyer education workshops in your market
  • 5-minute pre-approvals that wow listing agents
  • Dedicated BDM support for your transactions
Investor Funding Partner
Comprehensive Solutions for Your Portfolio
Real estate investors need a lending partner who moves at the speed of opportunity. Capital City Mortgage provides DSCR loans for rental portfolios, Fix & Flip funding for renovations, Bridge Loans for time-sensitive acquisitions, and business capital lines for reserves and down payments.
  • DSCR loans with 10-14 day closings
  • Fix & Flip funding up to $3M per project
  • Bridge loans for quick acquisitions
  • Capital lines to fuel your investment strategy