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Get Pre-Approved

Close Your Next Deal in Days, Not Months

East River Capital provides fast, flexible hard money loans for real estate investors. We fund deals that banks won’t — with approvals in as little as 24 hours.

Get My Loan Options
Close Your Next Deal in Days, Not Months

TRUSTED BY 5,000+ REAL ESTATE INVESTORS

Funding in 5-7 Days

Funding in 5-7 Days

Close fast and never lose a deal to slow financing.

Loans from $100K to $5M+

Loans from $100K to $5M+

Flexible capital for projects of every size.

No Tax Returns Required

No Tax Returns Required

We underwrite the asset, not your personal income.

From first-time flippers to seasoned developers, East River Capital has helped hundreds of investors secure the capital they need to close deals and grow portfolios.

$100MM+ in Loans Funded
500+ Deals Successfully Closed
Tri-State & Nationwide Coverage
4.9/5 Average Client Rating

How the Funding Process Works

A straightforward process built for speed. From your first call to funded deal, we keep it simple so you can focus on your investment.

01

Submit Your Deal

Tell us about your property and funding needs. Fill out a quick application online or call us directly — no lengthy paperwork to get started.

02

Get Matched & Review Terms

We evaluate your deal based on the property and project merits. Term sheet issued within 24 hours.

03

Close & Get Funded

Once terms are agreed, we coordinate title, appraisal, and legal. Most deals close within 14 business days.

Property Types We Fund

Whether you’re flipping a single-family home or developing a commercial site, East River Capital has the program and the capital to back your project.

Single-Family Homes

The bread and butter of real estate investing. We fund purchases, rehabs, and refinances on 1–4 unit residential properties across all major markets.

Multi-Family Units

Finance duplexes, triplexes, and small apartment buildings. Ideal for investors building rental income or value-add repositioning plays.

Commercial Properties

Bridge and hard money loans for retail, office, mixed-use, and industrial assets. We understand commercial underwriting and move fast on qualified deals.

Fix & Flip Projects

Short-term purchase and renovation loans with rehab draws built in. We fund the acquisition and the construction budget so you can focus on execution.

Rental Properties (DSCR)

Acquire or refinance stabilized rental properties based on property cash flow, not personal income. Bridge-to-DSCR pathways available.

Land & Ground-Up Construction

Financing for raw land acquisition, entitled lots, and ground-up development. Draw schedules tied to construction milestones.

Transparent Terms, No Surprises

We believe in clarity. Here are the key parameters of our loan programs so you know exactly what to expect before you apply.

$100,000 – $5,000,000+

Flexible funding for everything from single-family flips to large commercial projects. Larger amounts available for qualified borrowers.

6 – 24 Months

Short-term financing aligned with your exit strategy, whether that’s a sale, refinance, or stabilization.

Residential & Commercial

Single-family, multi-family, mixed-use, retail, office, industrial, and land.

As Fast as 24 Hours

We make decisions quickly because we underwrite the deal, not just the borrower.

Up to 75% LTV / Up to 95% LTC

Based on property value, project scope, and borrower experience. Higher leverage available for strong deals and strong investors.

Don’t Lose Your Deal Waiting on a Bank

Traditional lenders move slowly and require extensive documentation. Hard money loans are built for investors who need to act now.

East River Capital
Approval in 24–48 hours
Asset-based underwriting
Minimal documentation required
Flexible terms for investors
Close in days, not months
Fund deals banks won’t touch
Traditional Banks
30–60 days to approve
Income & credit-based underwriting
Extensive paperwork & tax returns
Rigid lending criteria
Lengthy closing process
Limited to conventional properties
Hard money loans are built for action. While banks focus on paperwork and personal financials, we focus on the value of your deal — so you can move quickly and secure opportunities before they disappear.

Estimate Your Loan in Seconds

Use our quick calculator to get a ballpark on your monthly payment and total loan amount. No commitment, no contact info required.

COST INPUTS

FINANCING

RESULTS

Estimated Monthly Payment

$1,200

* Not including taxes and insurance

Loan Amount $288,000
Loan to Value (LTV) ⓘ 64.00%
Renovation Cost $60,000
After Repair Value (ARV) $450,000
Get My Loan Options

This calculator provides estimates only. Actual rates, terms, and fees may vary based on property type, borrower experience, and deal structure. Contact us for a custom quote.

What Our Clients Are Saying

Real deals. Real results. Here’s why investors keep coming back to East River Capital.

Michael R.

Michael R.

The bank strung me along for weeks and then declined my loan. I called East River Capital on a Monday, had a term sheet by Tuesday, and closed by Friday. They saved my deal.

Fix & Flip Investor, New York

James K.

James K.

As a new real estate investor, I was nervous about securing financing. East River Capital made the process smooth and stress-free. They approved my bridge loan for a duplex in under 24 hours, and their team explained every detail clearly. The quick funding allowed me to secure a great property that I now rent out.

Fix & Flip Investor, New York

Sarah K.

Sarah K.

I needed $350K to close on a duplex before another buyer grabbed it. East River funded the deal in 4 days with zero hassle. They understand urgency.

Rental Property Investor, New Jersey

David L.

David L.

As a first-time investor, I had a lot of questions. Their team walked me through every step and got me funded faster than I thought possible. I’ve now done three deals with them.

Real Estate Investor, Connecticut

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS
We provide short-term, asset-based loans for real estate investors to purchase, renovate, or refinance investment properties. We underwrite based on the property — not your W-2 or DTI. Terms run 9 to 24 months with interest-only payments, available only for non-owner-occupied investment properties.
We close in 10 to 21 days. If you need to win a competitive offer or beat a contract deadline, we can move faster than any traditional bank.
We require a minimum 660 FICO. Scores from 660-679 require 5+ completed projects in the last 3 years. New investors need at least 680, and ground-up construction with no experience requires 700. The higher your score, the better your rate.
We typically lend up to 90% of your purchase price, up to 95% of total project cost (including renovation), and up to 75% of the after-repair value. Your maximum loan is whichever of these is lowest. Bridge loans without renovation cap around 70-80% of value.
Yes. We finance both your purchase and your renovation budget. Renovation funds are held back at closing and released to you in draws as work is completed and verified by our inspector.
We lend on 1-4 unit residential properties, PUDs, and condos (case-by-case). We also consider multifamily and mixed-use on exception. We do not lend on rural properties, raw land, mobile homes, cooperatives, or owner-occupied homes.
We strongly prefer entity vesting — most commonly an LLC. Borrowing through an LLC gives you liability protection and a better rate (individual vesting typically adds 0.25% to your rate). If you don't have an entity yet, we'll guide you through it.
Our rates start at 9.25% and vary based on your experience, credit, leverage, and property location. We charge 1 to 3 points at closing depending on the deal. All payments are interest-only during the loan term.
We underwrite the deal, not your tax returns. We finance distressed and value-add properties banks won't touch. We close in days, not months. We work with LLCs and complex entities without friction. You pay a higher rate for those benefits — that's the trade-off, and for active investors, it's worth it.
You exit by either selling the property or refinancing into a long-term loan (such as a DSCR rental loan). We help you plan your exit before we close, and if you need more time, we offer extensions subject to approval.