JCL Capital is a direct lender with extensive experience identifying under-valued real estate projects. We understand that not all loan opportunities fit into a perfect structure so we work with our customers to create individualized loan solutions.
We take into account the unique attributes of the property and borrower.
Below are our general guidelines for our main loan programs
Whether a fix and flip or cash-out, JCL offers competitive options to secure the financing needed for your short-term commericial bridge loan. Feel free to contact us to discuss your project. Below are our general guidelines for construction loans.
JCL offers ground-up construction loans in the New York City and Westchester Couny, NY markets. Feel free to contact us to discuss your project. Below are our general guidelines for construction loans.
$150,000 and Up
Loan to Cost (LTC)
Up to 55%
As low as 10%
As low as 2%
Loan to Value
Up to 65%
Interest only based on dollars disbursed
Property / Project Types
New York City and surrounding suburbs
JCL Capital offers permanent financing options for stabilized commercial properties in primary and select secondary markets across the U.S. We underwrite and collaborate with our partner network to find the best possible permanant financing arrangements for our customers. Below are our general guideline for permanent financing.
U.S. Nationwide, Primarily major and secondary markets
Multifamily, Retail, Industrial, Self-Storage, Medical Facilities and Medical Office, Mixed-Use, Condo Construction, Underlying Coop mortgages, Ground Leases and Leasehold Mortgages
$250,000+. No upper limit. Will consider smaller loans a case-by-case basis.
5 years - 30 years fixed rates
Current typical 10 year fixed rates 4.5-5.0%
Loan fees +/- 1.25% (includes Lending Source). Borrower pays for 3rd party vendors (appraisal, Phase I, etc.), all title charges and lender's legal
JCL Capital provides short-term, non-owner occupied commercial loans on residential and commercial properties. We often find value in projects missed by other lenders. There is no cost or commitment to evaluate an opportunity. Feel free to contact us to review your loan requirements. We fully protect brokers and are committed to developing long-term relationships with borrowers and brokers.