Your Vision, Our Capital.
Financing That Revolves Around You.
At Torus Capital, we specialize in providing fast, simple, and flexible solutions to fuel your real estate investments. Whether you’re developing, flipping, or scaling your portfolio, our tailored financing turns opportunities into realities.
Our Benefit
At Torus Capital, we offer a simple and quick nationwide hard money financing process, designed for real estate investors to provide the best possible deal structure possible.
Fast Process
Our streamlined hard money loans offer quick approval. Our dedicated team works closely with you to create customized lending solutions that align with your goals.
Investor Focused
We offer competitive rates and flexible terms designed specifically for real estate investors. Our financing options are ideal for property flips, renovations, and time-sensitive opportunities.
Construction Costs
We offer 100% of all rehab and construction costs funded in advance. Draw requests are funded in 24 hours with no inspection.
Super Simple 3 Step Process
Apply Online
Fill out our form and answer a few questions.
Get Pre-Approved
We’ll gather basic information about your investment and provide a financing offer.
Get Funded
We will complete the underwriting process and fund your loan so you can capitalize on your investment.
Ready to get started?
Get a Loan For Your Real Estate Investment Now!
Interest rates from 6.95%- 10.99%
Ground UP CONSTRUCTION
Up to 90% of Loan to Cost (LTC)
100% of Rehab
Up to 75% of ARV
No Mortgage / Interest Payments for Life of the Loan (Purchase & Rehab)
Land + Horizontal (infrastructure) Loans Available
Based on FICO score and Experience
Fix & FLIP
Up to 90% of Purchase Price
100% of Rehab Costs
Up to 75% of ARV
All Mortgage Payments Rolled in
Rehab Budget Funded in Advance
Draw Requests Funded in 24 Hours
No Physical Inspection
LAnd Development & InfRAstructure
Up to 80% of Purchase Price
100% of Construction Budget
Up to 70% of ARV
No Tax Returns
No Income Verification
No Prepayment Penalty
MULTIFAMILY
Up to 85% of Purchase Price
100% of Rehab Funds
Up to 70% of ARV
Refi up to 75% of As-is Value
No Prepayment Penalty
Stabilized Long Term
30 Year Fixed Rate Loans
Rental / Landlord
Up to 80% of Purchase Price
Up to 85% for Refinance
30 Year PITI Fixed Interest Rate
No Income Verification
No Pay Stubs
No DTI Requirements
No Tax Returns or W2's required
All PropErty Types We Service
SFR (1-4 Units)
Multifamily 1-500 Units (Different Loan Programs Based on Unit Count)
Mixed Use
Storage Facilities
Commercial
Loans up to $50M
Who We Are
Private money lending with a modern, investor-focused approach.
Our mission is simple: to empower visionaries by turning opportunities into realities. Whether you’re flipping properties, financing renovations, or acquiring new investments, we combine deep industry expertise with innovative strategies to ensure your success.
We believe in building lasting partnerships based on trust, transparency, and results. At Torus Capital, we’re not just lenders—we’re your dedicated allies in achieving your real estate goals.
Extremely Fast Online Application
Industry Leading Closing Times
Borrowers Get Instant Proof of Funds
Borrowers Get Instant Term Sheets
Highly Flexible Loan Terms
Expert Support From Start to Finish
Minimized Paperwork
Super Fast Construction Draws
No Receipts Required
Frequently Asked Questions
What is a hard money loan?
A hard money loan is a short-term, asset-based loan primarily used for real estate investments. These loans are secured by property and offer quick access to funding with less stringent qualification requirements.
What types of properties can I finance?
We fund residential, commercial, and multi-family properties, as well as land purchases and renovations.
How quickly can I get funded?
Funding can be completed in as little as 7 days, depending on the complexity of the deal.
What do I need to qualify for a loan?
Qualification is based on the value of the property and your investment strategy, and your credit score. We’ll evaluate the deal’s potential to determine eligibility.
How do I apply for a loan?
Simply fill out our online application or contact us directly to discuss your project. We’ll guide you through the process step-by-step.
What is the interest rate on a hard money loan?
Interest rates vary based on the deal, loan amount, and property type, typically ranging between 6.95-10.99%.
What is the typical loan term?
Our loans typically range from 6 to 24 months, offering flexibility to suit your project timeline.
How much can I borrow?
Loan amounts are up to 90% of the purchase price, 75% of the ARV, and 100% of the construction costs.
Do you charge any fees?
Yes, there may be origination fees and other standard closing costs, which will be clearly outlined during the loan process.
Can I refinance a hard money loan?
Yes, we can help you transition from a hard money loan to more traditional financing if needed.
Do you offer funding for first-time investors?
Absolutely! We work with both seasoned professionals and first-time real estate investors to fund their projects.
What if I need more time to repay the loan?
We offer extension options for most loans, subject to approval and updated terms.
Your trusted partner in financial growth and investment success. Where financing revolves around you.
