Get Funded with Private Money!
"We Provide Simple and Transparent Funding for Residential and Commercial Properties. Our Mission is to Support Investors that are Building their Wealth Through Real Estate"
ABOUT US
At Cephas Capital Lending, we provide private lending solutions designed to help real estate investors move fast and fund projects with confidence. Our team specializes in residential and commercial financing, cash-out refinancing, and tailored loan programs built around real goals — not red tape. With flexible terms, personal guidance, and a commitment to matching any competitor’s offer, we make funding your next investment simple, transparent, and reliable.
We Have a Loan That's Right for You!
Whether you're a Wholesaler, Reseller, Landlord, or Developer We Have Products and Terms to Fit Your Goals. WE WILL MATCH OR BEAT ANY LEGITIMATE DEAL!
FIX AND FLIP LOANS
Purchase or refinance your fix & flip and get competitive rates, great leverage, and up to 100% of your rehab budget covered, with loan terms up to 24 months.
Single & Multi Family Bridge Loans
Need short-term financing on a property you're not rehabbing? We've got you covered with a bridge loan. Great leverage & competitive rates Purchase or refinance your 2-4 unit, 5+ unit, or mixed-use property with a bridge loan. Take advantage of great leverage & low rates while you establish permanent financing.
Long-Term Rental Loans
We offer competitive rates on long-term rental financing, plus great takeout options for investors seeking to purchase, refinance, or cash-out to buy additional properties.
Ground -Up Construction Loans
Build your next property with us! We offer new construction financing for single-family homes
Our Process is Simple!
Apply
Tell Us About Your Project by Submitting
a Simple Online Application
Get Approved
Schedule appointment with an agent, so we can evaluate your Project and collect all documentation. .
Get Funded
Get the Money You Need to Get Your Investment Underway. WE WILL MEET OR BEAT ANY LEGITIMATE OFFER!
TESTIMONIALS
This is What Our Clients are Saying!
★ ★ ★ ★
FUNDED AND CLOSED IN UNDER 30 DAYS!
The first Private Money loan with Cephas Capital Lending LLC. My first transaction with Cephas Capital Lending LLC went well. We were able to get the deal funded and closed in under 30 days. Many thanks to the team at Cephas Capital Lending LLC for making it happen!!!
Clyde W.
★ ★ ★ ★
Plain and simple!
The most professional and accessible service ever! Thanks, Cephas Capital Lending LLC for being there for us the real estate entrepreneurs!
Salvador Perez
★ ★ ★ ★
Made My Deal Work!
The entire process was positive from start to closed. Some deals close with little or no issues. Some have a way of not wanting to close. The team at Cephas Capital Lending LLC took the time and worked with seller, buyer, attorneys, and Title company to make my deal work! Thank you for all your hard work, patience, and effort.
Gerard Buijck
Please Complete the "Investor Questionnaire" Before Booking an Appointment
FAQS
What are your rates and points?
Rates and points vary based on the deal structure, property type, and borrower experience. We’re highly competitive and guarantee to match or beat any legitimate offer.
How long does it take to close a loan?
Most loans close within 30 days, depending on how quickly we receive all required documentation and appraisal information. Loans can be funded as quickly as 7 to 15 days.
Do you lend to entities or individuals?
We only lend to investors through an LLC or business entity for liability and tax purposes.
Do I need to have cash reserves?
Typical investor loans are 65% to 70% of the ARV value, and could be be up to 100% of the Rehab costs. We recommend that investors always have cash reserves on hand. The amounts will depend on the financial strength of the deal.
Why do you need my credit score?
Credit is just one factor we consider. We primarily focus on the deal itself, equity position, and exit strategy rather than traditional credit scores.
Do you lend nationwide?
We currently focus on specific local regions and states, but our network of lending partners allows us to consider deals in most major markets.
OUR TEAM
At Cephas Capital Lending, we specialize in providing tailored, performance-driven funding solutions for experienced real estate investors. With access to over 100 lending resources, our team has the flexibility to match each project with the most competitive terms, fastest closings, and most strategic structure available. Whether you’re expanding your portfolio, refinancing assets, or pursuing large-scale acquisitions, we streamline the process so you can move quickly, close confidently, and maximize your returns..
Get In Touch
