Commercial Lending · Business Purpose Only
50+ Lender Network. One Application.
SaintSal underwriting matches your deal to the right capital source in seconds. No hard credit pull. 24-hour response guaranteed.
Find the right capital path for this deal — bridge, hard money, DSCR, commercial, fix-and-flip, ground-up, portfolio, agency and non-QM — through a single reviewed application. Apply Now starts an application, not a credit decision.
- $2B+ Capital Deployed
- 50+ Lenders
- 24hr Response
- No Hard Credit Pull
- 35+ Data Endpoints
Capital Products
Eight ways to fund the deal
Every card names the use case, the indicative range, the leverage the market is actually writing, and the documents the file will need. Expand a card for the document expectation before you apply.
Bridge
- Rate
- 8.75% – 12.50%
- Size
- $250K – $50M
- Leverage
- Up to 75% LTV / 70% LTC
- Timing
- 10 – 21 days to fund
Close now, stabilize later. Used when timing beats pricing — auction takeouts, 1031 gaps, partner buyouts.
Documents: Entity docs, rent roll or exit plan, payoff demand, insurance binder
Hard Money
- Rate
- 9.50% – 13.99%
- Size
- $100K – $10M
- Leverage
- Up to 80% purchase / 100% rehab draws
- Timing
- 5 – 14 days to fund
Asset-first capital for distressed acquisitions where the collateral, not the borrower profile, carries the file.
Documents: Purchase contract, scope of work, comps, proof of liquidity
DSCR
- Rate
- 6.25% – 8.75%
- Size
- $75K – $5M per asset
- Leverage
- Up to 80% LTV at 1.20x+ coverage
- Timing
- 21 – 35 days to fund
Qualify the property, not your tax returns. Long-term rental debt sized off in-place or market rent coverage.
Documents: Lease or market rent analysis, taxes, insurance, HOA statement
Commercial
- Rate
- 6.00% – 9.25%
- Size
- $1M – $100M
- Leverage
- Up to 75% LTV / 1.25x DSCR floor
- Timing
- 30 – 60 days to fund
Multifamily, retail, industrial, office and mixed-use term debt with institutional structure and reserves.
Documents: T-12, rent roll, PCA/ESA, borrower REO schedule, org chart
Fix & Flip
- Rate
- 9.25% – 12.99%
- Size
- $100K – $5M
- Leverage
- Up to 90% LTC / 70% ARV
- Timing
- 7 – 14 days to fund
Acquisition plus rehab in one facility, with draw control tied to inspected line-item completion.
Documents: Scope of work, contractor license, track record, ARV support
Ground-Up Construction
- Rate
- 9.99% – 13.50%
- Size
- $500K – $40M
- Leverage
- Up to 85% LTC / 65% LTFV
- Timing
- 21 – 45 days to fund
Vertical construction financing for infill and small-lot development, from permit-ready to certificate of occupancy.
Documents: Approved plans, permits, GC contract, budget, absorption analysis
Portfolio
- Rate
- 6.75% – 9.50%
- Size
- $500K – $50M
- Leverage
- Up to 75% LTV blended
- Timing
- 30 – 45 days to fund
One blanket facility across 5+ doors — release provisions, cross-collateralization, single servicing relationship.
Documents: Schedule of real estate owned, unit-level rent roll, blanket insurance
Agency / Non-QM
- Rate
- 5.85% – 8.50%
- Size
- $750K – $30M
- Leverage
- Up to 80% LTV / 1.25x DSCR
- Timing
- 45 – 75 days to fund
Fannie/Freddie small-balance multifamily plus non-QM paths for foreign national, bank-statement and asset-depletion files.
Documents: Agency application package, borrower certifications, third-party reports
The Path
Apply in two minutes. Matched in sixty seconds. Reviewed in a day.
Three steps, each with a stated clock. Human review sits at the end of every one of them — the engine explains fit, people move capital.
Every match is traced end to end: request → HACP router → model → receipt. The reasoning is reconstructible on audit, not decorative.
Apply
Amount, property, strategy, state, purpose, timeline, entity. Seven fields. No SSN, no hard credit pull, no obligation.
Soft-inquiry prequalification only. Nothing is submitted to a lender until you approve the package.
SaintSal Matches
The engine reads product fit, geography, timing and document readiness across the network, then explains why each program fits.
You see the reasoning — product, amount, property type, geography, timing, documents. Never a commission figure.
Reviewed Offers
A human capital advisor reviews the match, packages the file, and returns indicative terms from the lenders who actually want the deal.
Lenders make lending decisions. CookinCapital packages, advises and negotiates — it does not approve or deny credit.
Network Composition
50+ capital sources, shown the honest way
Lender identities and program terms are confidential until a lender authorizes disclosure on your file. What we can show publicly is the composition of the network — the categories of capital your application reaches.
Categories reflect the approved aggregate network profile. No lender logo, name, or program term is published without that lender's written authorization.
Operator Results
What closing actually sounded like
Client outcomes, attributed by role, market and funded structure. Individual results depend on the asset, the sponsor and the lender — they are not a prediction of your terms.
I had a 9-day close on a trustee sale takeout and two lenders had already passed. The match came back the same afternoon with three bridge programs and the one that funded was the one nobody in my rolodex would have introduced me to.
Twelve doors across three cities, and every lender wanted to underwrite them one at a time. CookinCapital packaged it as a single portfolio facility and I stopped re-explaining my own balance sheet every 45 days.
The part that mattered was the documentation list up front. I knew exactly what the file needed on day one, which is why the appraisal and the term sheet did not fight each other at the end.
Before You Apply
The five questions every borrower asks
Credit, documents, ranges, response time, and who decides. Answered plainly, because the alternative is a surprise at day twenty.
No. Prequalification uses a soft inquiry only, which is not visible to other lenders and does not affect your score. A hard credit pull happens only later, with your written authorization, if a specific lender requires it to issue final terms.
For most files: entity formation documents, a purchase contract or payoff demand, a rent roll or scope of work, proof of liquidity, and insurance. Product-specific expectations are listed on each capital card above so nothing surprises you at day 20.
No. The ranges shown are indicative market ranges observed across the network and are provided for education. They are not a commitment, quote, or offer of credit. Actual pricing depends on the lender, the collateral, the sponsor and market conditions at the time of underwriting.
The lender does. SaintSal explains fit and CookinCapital advisors package and advocate for the file. No AI system at CookinCapital issues an approval, a denial, or an adverse action notice.
It is routed to human review before anything moves. Consumer-purpose credit, mixed-use edge cases and state-licensing questions are reviewed by a person, not automated through a business-purpose workflow.
24 hours is the response commitment on a complete prequalification — meaning a reviewed match and a next-step call, not a funded loan. Time-to-fund by product is printed on each capital card.
Primary Action
Apply once. Reach the whole network.
Two minutes of inputs. A reviewed match inside a minute. A human capital advisor on the file within 24 hours. Nothing reaches a lender until you approve the package.
- No hard credit pull
Soft inquiry only at prequalification. Hard pull requires your written authorization.
- 24-hour response
Response commitment on a complete prequalification — not a funding commitment.
- No obligation
Applying does not obligate you to accept terms, and does not guarantee any offer.
Investment Analysis Disclaimer
All analysis, matching output, rate ranges, leverage figures and timelines shown on this page are informational and educational only. They are not an offer to lend, a commitment to lend, a rate lock, or an underwriting decision.
Past performance is not indicative of future results. Every real estate investment carries risk, including loss of capital. Projections rely on assumptions that may not occur, and market conditions can change without notice.
CookinCapital is a capital advisory and technology platform. Lenders make all credit decisions. No AI system operated by CookinCapital issues an approval, a denial, or an adverse action determination.
Business-purpose credit · state routing
Products presented here are intended for business-purpose, non-owner-occupied real estate credit. Consumer-purpose, residential owner-occupied, mixed-use and state-licensing edge cases are routed to human review before any lender submission.
Licensed brokerage services — representation, commission collection and MLS access — are performed through CookinCap Real Estate LLC where the transaction requires them.
Lender compensation, internal scorecards and private program terms are never displayed. Match explanations name product, amount, property, geography, timing and documents only.