Funding Solutions for Real Estate Investors

Simple, fast capital to help you acquire, renovate, and resell or refinance your investment properties.

Why Borrow from Free State Capital?

At Free State Capital, we understand the challenges real estate investors face — because we’re active investors ourselves. That’s why we’ve built a relationship-based private lending company designed to help you close quickly and confidently, without the red tape of traditional financing.

We provide capital for value-add real estate projects including fix & flips, rental property renovations, and opportunistic acquisitions. Our goal is to be the funding partner that helps you move faster, scale smarter, and keep your projects moving.

What sets us apart:

• Fast closings — we can move as fast as title
• Local decision-makers who understand your business
• Flexible underwriting and deal-specific terms
• Rehab escrow available to cover renovation costs
• Honest communication and long-term partnership focus

Who We Lend To

We lend to experienced real estate investors and companies in Maryland and surrounding markets. If you’ve got a property under contract or ready to be acquired and improved, let’s talk.

General borrower guidelines:

• Business entities (LLC, Corp, etc.)
• U.S.-based investors
• At least one completed flip or renovation preferred
• Property must be non-owner-occupied

 Loan Terms

We tailor each loan based on the project, borrower, and exit strategy. Typical terms include:

• Loan Amount: $100,000 to $500,000+
• Interest Rate: 12–13% annual interest only (project-dependent)
• Term Length: 6–12 months
• LTV: Up to 75% of After Repair Value (ARV)
• Points: 2–3% origination
• Rehab Escrows: Available for qualifying projects
• No prepayment penalty

We offer interest-only loans with no monthly amortization. Borrowers only pay monthly interest, with the principal due at maturity or payoff.

How It Works

We’ve made the process simple, fast, and clear:

Complete & Exit — Sell, refinance, or pay off the loan when your project wraps up.

Apply Online — Fill out our short application and tell us about your deal.

Review & Approval — We’ll assess the property, your experience, and your budget.

Get Funded — If it’s a fit, we’ll issue terms and move fast to closing.

Draw Rehab Funds — If your loan includes a rehab escrow, we’ll release draws as work is completed.

Ready to Get Funded?

Whether you’re buying your next flip, repositioning a rental, or scaling your investment business, Free State Capital is here to help you move quickly and efficiently.

Click below to start your application — no obligation, just a quick way to see if we’re a fit.

Learn More About Private Lending Opportunities