Private Capital Lending

For Builders & Investors

Funding Built for Builders & Investors by Builders & Investors.

Financing for builders, developers, and investors. Funding with an asset based focus, reliable draws, no tax returns, no W-2’s, fast approvals & closing. Relationship lending that frees up more of your capital to grow your business!

72hr

Approval Time

$5M

Max Loan Amount

30

Days to Close

30+

Years Experience

Ground-Up Construction Financing

Built for Builders By Builders

We understand you need funding that considers the entire development & build process. As active developers & builders, we know first hand what is required to successfully underwrite a deal for maximum funding, as well as the best rate & terms.

Funding that supports each and every deal, because each deal is different than the one before. Whether this is your first build, or you are scaling your business for growth, we have terms that will get your project out of the ground, and provide consistent funding for your draws to get you to the finish line.

We provide competitive terms & rates because we take all things into consideration as we underwrite your deal; the asset, your budget & your experience.

Fix & Flip Financing

Built for Investors By Investors

We understand you need funding that considers the entire fix & flip process. We have extensive fix & flip experience and have been involved in 100’s of deals on the lending, buying, rehabbing, & selling side of the business.

Our goal is to provide you with the funding you need to close your first deal or next deal, and eventually scale into multiple rehabs at the same time. The more projects we do together, the more value we can pass along to you, the investor/rehabber…creating momentum to help you get even better terms and lower cash out-of-pocket.

DSCR Single & Multifamily Rental Financing

Built for Investors By Investors

We understand you need funding that goes beyond the rehab or construction phase of the project. Long term funding that allows for cash flow. We provide fast and flexible funding for rental property investors. Whether it’s an initial purchase, a refinance, or cash out refinance, we’ve got you covered. Just like our fix & flip and ground up construction funding, there are no tax returns, no W-2s & no income verification! For DSCR loans, it’s all about the cash flow.

As active cash flow investors, we know precisely what is required to successfully underwrite a deal for maximum funding, maximum cash flow, as well as the best rate & terms.

One Time Close Build to Rent

Built for Investors By Builders and investors

Bring your building & investing skills to the table, to create instant equity on the build side, and long term cash flow on the rental side.

One time close construction loan to permanent financing for build to rent investors.

The one time close construction to permanent loan is a game changer for visionary real estate developers, builders and investors. This innovative financing product simplifies the process of funding your construction projects, offering a seamless and comprehensive solution that takes you from blueprint to completion without the headaches of traditional financing.

With the one time close Construction to permanent loan, you combine the power of construction and permanent financing into a single, streamlined package. No need for multiple loan applications, approvals, or never-ending paperwork – just one easy, efficient loan to cover the entire project from start to finish

Bridge Loans

Built for Builders and Investors by Builders and Investors.

We provide short term bridge loan financing to get you over the hump, or to get you the cash you need to seize a new opportunity.

In the real estate business, whether you’re developing, building, or securing your next investment property, timing is everything. 

Bridge loans help you to close the gap between deals. 

Our bridge loans are great for short term purchases, or cash out refinances.

Whether you’re rehabbing a property to increase its value before selling, needing short term purchase funding before securing long term financing, or looking to pull out some equity from a ground up build you just completed, our bridge loan offers the speed and flexibility that traditional financing can’t.

Why M1 Capital Funding

Your Success Starts with the Right Capital Partner

We’re not a bank. We’re builders who fund builders.

72-Hour Approvals

Time kills deals. We deliver fast decisions so you can move with confidence.

No Financials Required

No tax returns, W-2s, or pay stubs. We focus on the property and the deal.

Close in Under 30 Days

From approval to funding, we move fast so you don't lose the deal.

Exclusive Lender Access

Programs you won't find elsewhere,.

Chicago Market Expertise

Founded in San Antonio with deep knowledge of Texas markets and nationwide reach.

Builder-First Approach

We close what we quote. No re-trades, no last-minute surprises, no excuses.

How It Works

Get Funded in 3 Simple Steps

From application to funding, we keep it simple.

 

Submit Your Project

Fill out our quick online form with basic

property and project information. No tax returns or

pay stubs needed.

Get Approved in 72 Hours

We focus on the property and the deal, not your personal financials. Fast decisions so you can break ground.

Close & Start Building

Most loans close in under 30 days. We close what we quote—no re-trades, no surprises.

Frequently Asked Questions

Quick answers to common questions about our

construction and investment loans.

Yes. Our new construction loans finance the entire project from lot acquisition through vertical construction. We provide up to 95% LTC and 75% ARV with in-house construction management, draw funding, and servicing. You'll need at least one completed structure rehab or new construction project project or have a  qualifying  GC that you are working with, and the last 36 month to qualify

Most fix and flip loans close in under 30 days from application. We can often move faster for experienced borrowers or time-sensitive deals. Our 72-hour approval process means you'll know quickly if your deal is approved.

It depends on the program. Our cosmetic rehab loans have no experience requirements—first-time flippers are welcome. For structural rehab and new construction, we require 1-2 completed projects in the last 36 months. or working with an experienced GC, Our DSCR and Bridge Choice programs also have no experience requirements.

We handle all construction management and draw funding in-house. As you complete construction milestones, you request a draw, we inspect the work, and release funds—typically within a few business days. No third-party delays.

We finance single-family homes, 2-4 unit properties, townhomes, condos, and small multifamily (5-8 units). This includes spec homes, custom builds, fix & flips, and rental properties. Properties must be non-owner occupied investment properties.

Yes. While we're headquartered in San Antonio, we provide financing for investment properties across the United States. Our team has deep experience in Texas markets but serves builders and investors nationwide.
 

Ready to Break Ground?

Have a project? Let’s structure it the right way. Include the basics of your deal and then let’s break it down together. Let’s look at it through the lens of a builder & lender. This won’t be just guidelines, but an actual underwriting of what you need to get funded.

Backed By Capital

Builder And Investor Focused

Built On Experience. 

Get In Touch