More Ways to Sell
More Ways to Invest
One Simple Solution
We provide simple and transparent real estate solutions for both property owners and investors. Homeowners can sell their property without the typical challenges of a traditional sale, agent fees, no price negotiations, no closing costs, and no expensive rehabs. Many of our buyers purchase homes in As-Is condition, allowing sellers to move forward quickly without repairs or renovations simplifying the entire process.
We also provide transparent funding for investors acquiring residential and commercial properties, helping them move quickly on opportunities and build long-term wealth through real estate.
ABOUT US
At Cephas Capital Lending, we help property owners and real estate investors create opportunity through real estate. We provide flexible selling solutions for homeowners, including cash purchases, option agreements, and lease-to-buy programs, which often eliminate agent fees, closing costs, negotiations, and even the need for repairs by allowing homes to be sold As-Is.
We also support investors by providing transparent private lending for residential and commercial properties, helping them acquire, improve, and scale their real estate portfolios.
Our mission is to simplify real estate transactions and provide the solutions and capital needed to help people build long-term wealth through real estate.
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 Loan 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 - Buyers & Sellers
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.
Do I need to make repairs before selling my home?
No. Many of our buyers purchase properties in As-Is condition, which means you do not need to make repairs, renovate, or prepare the home for showings. This can save you significant time, money, and stress.
Do I have to pay real estate agent commissions?
No. When selling through one of our programs, there are typically no real estate agent commissions. This can save sellers thousands of dollars compared to traditional listings.
Are there closing costs when selling to you?
In many cases, closing costs are minimized or eliminated depending on the structure of the transaction. Our goal is to create a simple and transparent process so sellers can keep more of their proceeds.
How is this different from listing my home with a real estate agent?
Traditional home sales often involve agent commissions, negotiations, inspections, repairs, and uncertain timelines. Our programs offer alternative solutions that may allow you to sell faster, avoid repairs, and simplify the entire process.
Can I still sell my property if I have little equity?
Possibly. Every situation is different, but we can often provide creative solutions that traditional sales may not offer. We review each property individually to determine what options may be available
How quickly can I sell my property?
It varies based on the type of transaction, but it can be as little as a few days or a few weeks, depending on the program used and the seller’s preferred timeline.
Will I have to deal with constant showings and open houses?
No. One of the benefits of our programs is that the process is typically much simpler, with fewer showings and less disruption to your daily life.
How do I know if this is the right option for me?
The best first step is a short conversation about your property and goals. We will review the available options and help you determine whether a traditional sale or one of our programs makes the most sense for your situation.
Is there any obligation to receive an offer or proposal?
No. Conversations and proposals are completely free and without obligation. Our goal is simply to provide information so you can make the best decision for your property.
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..
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