Unlike traditional bank loans that depend on multiple documents to prove a borrowers cash flow or credit rating, hard money loans are more focused on the quality of the collateral. Traditional banks are constrained by internal bank lending standards making it more difficult and significantly longer to obtain a loan. Traditional banks will also not lend to companies or individual borrowers where the collateral or personal credit is substandard. This is where Wisdom Capital comes in as we do not require personal credit reports or guarantees as part of our underwriting.

Wisdom Capital offers hard money loans to owners of commercial properties including:
  • Multifamily– Garden, Midrise & Highrise Apartments
  • Industrial – Heavy Manufacturing, Light Assembly, Flex & Bulk Warehouses
  • Retail – Strip Center, Community Retail Center, Power
  • Center & Out Parcel
  • Office – Class A to C
  • Land Development
We accept Foreclosure, NOD and Bankruptcy cases along with borrowers with challenged credit histories.Loan Terms:
  • First mortgage loans
  • LTV up to 80%
  • Loan terms of 1-3 years
  • Interest rates as low as 11%
  • Originating fee as low as 3%
  • SISA & SIVA on investment properties
Wisdom Capital specializes in hard money loans to professional real estate investors, focusing on three types of properties:
  • Loans to finance purchases & repairs for the purpose of a quick sale (fix & flip)
  • Loans for new constructions of one to three family homes
  • Bridge loans to purchase income producing properties

Loans typically range from $50,000 to $3,000,000+ normally maturing in less than one year. Borrowers pay interest only on a monthly basis and the principle balance at maturity. We urge a first mortgage position with no personal guarantees from the principal. We will lend up to 80% of the loan value or appraised value of the collateral.

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Wisdom Capital

277 Northern Blvd., Suite 200
Great Neck, NY 11021
Wisdom Capitals lends in CO, CT, DE, FL, GA, MD, MA, NH, NJ, NY, NC, PA, RI, SC & VA