Tailored Lending for Builders and Investors
Supporting you with funding options designed to help you flip, build, develop, and scale with ease — nationwide.
Financing That Works for You
We streamline pathways for you to access fast, flexible financing and scale your success.
For Renovators
Transform properties into valuable assets with fast, flexible fix & flip financing.
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For Builders
Fund new housing projects from the ground up with draw-based construction loans.
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For Portfolio Investors
Expand your rental portfolio and maximize returns with DSCR and portfolio financing.
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For Bridge Borrowers
Fast, flexible short-term capital to bridge gaps between acquisition and permanent financing.
Learn MoreCapital for Every Strategy
Whether you're flipping, building, or growing a rental portfolio — we have a program designed for your strategy.
Fix & Flip
- Up to 90% LTC
- 12–18 Month Terms
- No Pre-pay Penalty
Ground-Up Construction
- Up to 75% LTC
- Interest-Only Draws
- 18–24 Month Terms
DSCR Single Asset
- 30-Year Fixed Available
- DSCR ≥ 1.0
- LLC-Friendly
Portfolio DSCR
- 5+ Properties
- Blanket Mortgage
- Simplified Underwriting
Bridge Loans
- Close in 5–10 Business Days
- Minimal Documentation
- Up to 80% LTV
Program terms, availability, and closing timing depend on lender review and due diligence. Pre-qualification is not a commitment to lend. Final approval is subject to full underwriting, appraisal, title review, and due diligence. All loans are business-purpose, non-owner-occupied investment property financing.
Capital + Construction.
Under One Roof.
Most lenders fund your deal and walk away. We do more. Through our affiliation with a national network of licensed general contractors, we connect qualified borrowers with vetted construction partners — from ground break to certificate of occupancy. This is an option, not a requirement.
Get Pre-Qualified — FreePre-qualification does not affect your credit score
We Can Build It Too
Don't have a contractor yet? Connect with our affiliated national GC network. One relationship. Capital and construction — from loan approval to CO.
We Speak Builder
Faster draw approvals, smarter underwriting, and a lender who knows what a change order is. Bring your own GC — we'll speak their language.
From Application to Funded in Days
We've streamlined the lending process so you can focus on finding deals, not chasing capital.
Submit Your Deal
Complete our streamlined online application with your property and borrower details. Takes less than 10 minutes.
Pre-Qual in 24 Hours
Our team reviews your deal against our lending criteria and matches it with the best capital source.
Receive Term Sheet
If qualified, you'll receive a detailed term sheet outlining rates, terms, and next steps for closing.
Close & Get Funded
We coordinate with title, escrow, and lenders to get you to the closing table and funded fast.
Your one-stop real estate lending partner.
Whether you're revitalizing properties, building homes, developing communities, or brokering financing solutions, Collective Social Capital provides the capital and expertise to move your projects forward.
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Speed to Close
We close in as few as 5 business days. No slow banks, no endless committees. Just fast capital.
Access to Multiple Lenders
We maintain relationships with top private lenders, bridge funds, and institutional capital providers.
Compliance-First Approach
Every deal is structured to meet MERS, business-purpose, and state-level regulatory requirements.
Nationwide Coverage
We fund in 40+ states. Whether you invest locally or across the country, we have you covered.
24-Hour Pre-Qualification
Know where you stand within one business day. Our team provides fast, honest deal assessments.
Built for Investors
We speak your language. Our team has direct real estate investment experience — not just lending.
Frequently Asked Questions
Common questions about our real estate financing programs.
Does Collective Social Capital lend on owner-occupied properties?
No. All of our loans are business-purpose, non-owner-occupied financing for investment properties only. We do not lend on primary residences.
What real estate financing programs are available?
We offer five programs: Fix & Flip, Ground-Up Construction, DSCR Single Asset, Portfolio DSCR, and Bridge loans. Program availability, terms, and structure depend on lender review and due diligence.
Is pre-qualification the same as final loan approval?
No. Pre-qualification is an initial assessment of whether a deal appears to meet our criteria. It is not a commitment to lend. Final approval is subject to full underwriting, appraisal, title review, and due diligence.
What happens after I submit my application?
Our team reviews your deal against our lending criteria and matches it with the best capital source. If qualified, you will receive a term sheet outlining rates, terms, and next steps for closing. Program terms and closing timing depend on lender review and due diligence.
Do I have to use your construction partners?
No. Through our affiliation with a national network of licensed general contractors, we can connect qualified borrowers with vetted construction partners. This is an option, not a requirement. You may bring your own contractor.
How do I contact Collective Social Capital?
You can reach us at 5925 Mulberry Street, Austell, GA 30168, or through either of the options below:
Let's build something together
Ready to turn your property vision into reality? Connect with us to find the best funding solution for your next project.