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All-in-one Hard Money Lender solution that specializes in residential and commercial investment properties.
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What is ARV?
The After Repair Value (ARV) is a critical concept for real estate investors and professionals. It estimates the future market value of a property once renovations and repairs have been completed. Instead of focusing on the property’s current condition, ARV allows investors to envision its potential worth after improvements, helping uncover hidden profit opportunities in properties that may appear worn or outdated.
What is LTV?
Loan-to-Value (LTV) measures the loan amount compared to the property’s current or appraised value. It is calculated by dividing the loan amount by the property’s value, expressed as a percentage. LTV is important for determining risk—lower LTV ratios often result in more favorable loan terms because they indicate lower risk to the lender.
What is LTC?
Loan-to-Cost (LTC) refers to the percentage of the loan amount in relation to the total project cost, which includes both the purchase price and the cost of renovations. This metric helps lenders and investors evaluate how much of the project is being financed versus the borrower’s own investment. The higher the LTC, the more financing is covering the project costs, which can impact loan terms and interest rates.
What means PRICE AS-IS?
refers to the agreed-upon price for a property in its current condition, without any repairs, upgrades, or improvements being made by the seller. In this context, the buyer accepts the property “as-is,” meaning they take on any defects or necessary repairs that might be required after the sale is completed. This price does not account for any future renovations or changes to the property and reflects its present market value based on its existing state.
For investors, the “as-is” purchase price is typically lower than a fully renovated or repaired property but may require additional costs to bring it up to its full potential.
Explore Top Dollar’s Programs
Your Partner in Real State Financing
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We Offer a Wide Range of Fix & Flip loan Options
Property type: single family (SFR), townhomes, condos, 2-4 units property, Multi-family 5+, Mixed-used, Commercial.
Programs available for EXPERIENCED, NEW or FOREIGN investor with no credit
Key Features
Interest Rates as low as 8.25% – Competitive interest rates to maximize your returns.
Loans from $75K to $3MM – Flexible loan amounts to suit projects of any size.
Up to 80% ARV – Finance the project and realize post-renovation value.
Rehab up to 100% – We fund the full renovation, freeing up your cash flow.
6, 12, 18 Month Terms – Choose flexible loan terms tailored to your project timeline.
Interest-Only Payment Options – Keep monthly payments low during renovations for better cash flow management.
Purchase up to 95%
- Refinance Options available
Need to acquire an investment property with no financed rehab? Need more time to maximize your investment plan and returns? Our Bridge Plus interim financing offers maximum flexibility and quick closing, giving you the power to act — fast!
Program Highlights
- Fast closing
- Exterior-only valuations
- No prepayment penalty
- Up to 80% LTV
- 13, 19 & 24-month term options
- Single loans and portfolio blanket loans
- Refinance options available
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DSCR LOAN
Available for SFR, 2-4 units and blanket loan
Programs available for EXPERIENCED, NEW or FOREIGN investor with no credit
Key Features
- Loans from 75k - 5MM
- Rates as low as 6.3%
- LTV - Up to 80% on purchase, up to 75% in refinance and cash out.
- No prepayment penalty after 3 to 5 years
- 5/1 + 7/1 ARMs fully amortized
- 30 year fixed rates
- Interest only options
- Refinance options available
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NEW CONSTRUCTION
Best For: Investors interested in land intended for ground up building of 1-4 unit non-owner occupied properties looking for non-bank financing solutions.
Our Ground Up Construction Loan product is a quick, smart and effective alternative for financing construction costs prior to transitioning into a long-term loan.
DETAILS:
- up to 90% LTC (purchase price +construction costs)
- 70% ARV
- loans from 100K to 3MM
- up to 100% of rehab cost
- 19 - 24 month loan term options
- Interest-only new construction loans, paying only a drawn funds
- fast draw process
- 1-4 units
- Rates as low as 9.95%
- Cashout refinance option available.
- Use fix and flip experience to qualify for new construction financing
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BUSINESS LOANS
Changing the world starts with cash flow, but many small businesses hit a roadblock. With banks turning down 80% of applicants, countless entrepreneurs are forced to scale back their big dreams due to a lack of funding.
At Top Dollar Capital, we're breaking down those barriers, helping small businesses secure the commercial loans they need to push beyond the ordinary. We don't just fund businesses we empower visionaries, innovators, and trailblazers who are shaping the future of American enterprise.
Real progress doesn’t come from government or large corporations it’s driven by small businesses. This is where transformation begins, and it’s why we’re committed to providing financing solutions that help entrepreneurs realize their full potential. We believe in fueling the ambitions that build the American dream, one loan at a time.
LOAN PRODUCTS
MCA (Merchant Cash Advance)
This is a cash advance for businesses based on their future sales. The lender advances money and then collects a percentage of daily or weekly sales, typically from credit card sales. It’s a quick financing option for businesses with steady sales.
ACH (Automated Clearing House) Loan
This is a loan where payments are automatically debited from the business's bank account at regular intervals (usually weekly or monthly). It’s ideal for businesses with stable revenue, as it allows for automatic payments without the need for manual processing.
LOC (Line of Credit)
This is a line of credit, meaning an approved maximum amount that the business can draw from as needed and only pays interest on the amount used. It’s flexible and works well for covering cash flow needs, inventory purchases, or emergencies.
SBA 7(a)
This is the most popular loan program of the U.S. Small Business Administration (SBA). This loan is designed to help small businesses obtain financing for a variety of purposes, such as working capital, equipment acquisition, commercial real estate purchase, refinancing existing debt, or business expansion. Generally, 7(a) loans have competitive interest rates and extended repayment terms, making them attractive for small businesses that need long-term financing.
SBA BOLT (Business Operating Line & Term)
This is a line of credit option offered through the SBA’s 7(a) program, specifically designed to provide short-term working capital to small businesses. The BOLT loan allows businesses to access a line of credit to cover immediate cash needs, such as operating expenses, inventory management, or financial emergencies. It is ideal for businesses that need flexibility to handle cash flow fluctuations and require quick access to funds.
SBA 504
This loan is designed to finance the purchase of commercial real estate and long-term equipment for small businesses. Unlike the SBA 7(a), the SBA 504 is structured in two parts: one provided by a private lender and another by a Certified Development Corporation (CDC) backed by the SBA. It is ideal for businesses looking to expand through the acquisition of property or large assets.
SBA CRE (Commercial Real Estate) above $350,000
This type of financing focuses on the purchase, construction, or refinancing of commercial real estate. SBA CRE loans are available for businesses needing amounts over $350,000 and are designed to help businesses acquire commercial properties or improve existing properties.
Existing Businesses
This type of financing is aimed at companies that are already operational and need additional capital to grow, renovate their facilities, acquire assets, or consolidate debt. Loans for existing businesses often have competitive interest rates and may offer more flexible terms, as the company's history provides greater security to lenders.
Start-Up Loans
These loans are designed for entrepreneurs who want to start a new business but lack sufficient capital. Start-up loans help cover initial costs, such as purchasing inventory, renting commercial space, acquiring equipment, and other operational expenses. They are useful for emerging businesses that need an initial financial boost and may require a solid business plan and income projection to be approved.
Acquisition of a Business Loan
This type of loan is intended for individuals or companies looking to acquire an existing business. The funds are used to buy all or a significant part of an already established business. These loans typically require an assessment of the business being acquired, including its revenue, assets, and growth potential, to ensure the business can generate the income needed to cover the loan.
Equipment Loan
An equipment loan is specifically designed to finance the purchase of equipment necessary for business operations, such as machinery, vehicles, technology, or furniture. This type of loan uses the equipment itself as collateral, making it a popular option for businesses that want to improve or expand their operations without impacting their cash flow.
Personal loan
is a type of financing that a person can apply for from a bank, credit union, or lender to cover personal expenses. These loans are typically for a fixed amount and are repaid in regular installments with an agreed-upon interest rate.
How we help to Build Your Dream
Our team of experienced loan advisors has a proven track record of helping investors succeed. We are committed to providing our clients with the best loan products tailored to their specific needs.
Fix & Flip
Top Dollar Capital offers tailored Fix and Flip loans with rates as low as 8.25%.
Get up to 95% of the purchase price and 100% of rehab costs covered.
With 12, 18, or 24-month terms and interest-only options
you can focus on transforming properties without worrying about upfront cash flow.
We make hard money easy—so you can focus on results.
Rentals
Our Rental DSCR loans help real estate investors secure funding without the hassle of income verification. Qualify based on the property’s rental income, not your personal financials. Whether you’re a first-time landlord or a seasoned investor, our DSCR loans provide up to 80% LTV
with competitive rates and flexible terms to help you build yourrental portfolio with confidence.
New Construction
For residential and commercial construction projects, Top Dollar Capital Lending’s Ground-Up Construction loans offer the capital you need. With loans up to $3MM, flexible terms, and fast approvals, we’ll help you break ground faster.
Whether it’s a single-family home or multi-unit development, our experienced team ensures you get the funding necessary to bring your project to life.
Business loans
At Top Dollar Capital LLC, we empower small businesses to achieve their big dreams. With traditional banks rejecting 80% of applicants, we break down the barriers to funding, offering commercial loans that help visdionsries, innovators, and trailblazers move beyond the ordinary. We believe real progress starts with small businesses, fueling the ambitions that drive American enterprise forward – one loan at the time.
Hear from people who trusted and succeeded
I had an amazing experience with Top Dollar Capital! Their team was incredibly professional and knowledgeable. They guided me through the entire loan process and offered solutions tailored to my needs. Thanks to them, I secured funding for my fix-and-flip project quickly and easily. Highly recommend their services!
Top Dollar Capital made financing my investment property seamless. Their rates were competitive, and their customer service was outstanding. They explained everything in detail and were always available to answer my questions. I’ll definitely work with them again for future projects!
Read our Blogs & Articles
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Optimizing Resource Allocation and Managing Carrying Costs During Renovation Projects1
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Optimizing Resource Allocation and Managing Carrying Costs During Renovation Projects
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