Get Funded. No Hassle.
As a direct private lender, we focus on providing financing solutions for professional real estate investors at every point in their project.
Loan Amount
$150k-$5M
Property Types
Single Family 1-4, Multifamily 5+
Loan To Value
80% Max LTV
Loan Type
Acquisition, Acquisition + Rehab, Refinance, Mid-Construction, Bridge, Long Term Rental
Discover Our Difference
Common Sense Underwriting
We understand that no two borrowers are the same. We look at the full picture, details, and overall story prior to issuing capital.
Institutional
Capital
By being the bridge between Main Street and Wall Street we can provide a lower capital cost to our borrowers based on their needs.
Relationship
Driven
From our first deal to our hundredth deal, think of us as your financial partner in crafting your next successful real estate projects.
Loan Highlights
No Personal Income
No Prepayment Options
No Tax Returns Required
100% Rehab Funding
Single Family (1-4)
Multifamily (5+)
Funding in 7 days
Down to 660 FICO
Ready to get Started?
Step 1
Complete a simple application, soft credit pull, background check, and provide supporting documentation.
Step 2
Our team will review and provide loan options that meet your needs.
Step 3
We’ll complete our due diligence and review closing docs.
Get 😁 Funded.
Follow our journey.
Lending in Maryland, Washington DC, Virginia, Florida, New York, New Jersey, Pennsylvania, Ohio, North Carolina, South Carolina, Tennessee, Georgia. Other states on a case by case basis.
Happy Capital makes loans solely for business purposes (and not for personal or consumer use) and is exempt from licensing in all states in which it operates. Happy Capital Debt Fund L.P. does not lend on owner-occupied properties. Listed rates, terms, and conditions are offered only to qualified borrowers, may vary by loan product, deal structure, property state, or other applicable considerations, and are subject to change at any time without notice. No information on this site is intended to, or shall, create a legally binding commitment or obligation on the part of Happy Capital Management LLC, Happy Capital Debt Fund L.P. and all terms are expressly subject to Happy Capital's credit, legal, and investment approval process.