SPEED. CERTAINTY. EXECUTION.
HARD MONEY.
SIMPLE SOLUTIONS.
Private capital without the paperwork and wait times traditional lenders require. Asset-based underwriting, one dedicated team, and terms built around your deal.
PRODUCT PORTFOLIO
FINANCING SOLUTIONS
NEW CONSTRUCTION & LAND
Ground-up construction financing for builders and developers, from single-family infill to multifamily and mixed-use projects. Draws are structured around your build schedule so capital is available as the work progresses.
financing details
- Short-term construction financing with extension options available
- Single-family, build-to-rent, multifamily, and mixed-use
- Draws released on completed milestones
built for
- Builders and developers with an active construction plan
- Investors executing build-to-sell or build-to-rent
- Sponsors scaling from single-lot infill to larger developments
FINANCING SOLUTIONS
FIX AND FLIP
Short-term financing for investors renovating and reselling residential property. Underwriting is based on the deal, the property and your plan for it, not personal income documentation, so you can move on a property before someone else does.
financing details
- Short-term, interest-only structures available
- Purchase and rehab funding available
- Based on the property's value after repairs
built for
- Investors flipping single-family and small multifamily properties
- First-time and repeat investors closing under an LLC or entity
- Deals where speed matters more than the lowest rate
FINANCING SOLUTIONS
JUMBO FINANCING
Larger balance loans for higher-value properties that fall outside standard investor loan limits. Structured around the deal, with options for both short-term and long-term strategies.
financing details
- Short-term and long-term structures available
- Purchase, rate-and-term, and cash-out refinance
- Fix-and-flip and rental strategies supported
built for
- Investors targeting high-value properties
- Deals that exceed standard program limits
- Portfolios concentrated in higher-cost markets
FINANCING SOLUTIONS
BRIDGE LOAN
Short-term financing for borrowers who need to move quickly, whether you're buying ahead of a sale, closing before a refinance is in place, or covering the gap between transactions.
financing details
- Short-term, interest-only structures available
- Residential, multifamily, and commercial assets
- Fast close with streamlined documentation
built for
- Borrowers who need to close quickly and refinance or sell after
- Buyers competing with cash offers in a tight market
- Owners bridging the gap between one property and the next
FINANCING SOLUTIONS
BANK STATEMENT
Income qualification based on business bank deposits instead of tax returns, for self-employed investors and business owners whose returns don't reflect their true cash flow.
financing details
- Bank statements used in place of tax returns and W-2s
- Fixed and adjustable options available
- Available for purchase and refinance of investment property
built for
- Self-employed borrowers and business owners
- Investors with strong deposits but heavy write-offs
- Borrowers who don't fit traditional income documentation
FINANCING SOLUTIONS
DSCR
Long-term rental financing qualified on the property's cash flow instead of personal income or tax returns. Built for investors buying a rental or refinancing a portfolio.
financing details
- Long-term fixed and interest-only options available
- Purchase, rate-and-term, and cash-out refinance
- Qualified on the property's rental income
built for
- Landlords purchasing or refinancing a rental property
- Investors consolidating or pulling equity from a portfolio
- Buy-and-hold investors moving out of short-term financing
FINANCING SOLUTIONS
INVESTMENT
Financing for residential and multifamily investment properties at every stage, from purchase to renovation to long-term hold. Short-term and long-term options, structured around the property and your strategy.
financing details
- Short-term bridge and long-term options available
- Purchase, rate-and-term, and cash-out refinance
- Single-family, 2-4 unit, and multifamily properties
built for
- First-time and experienced investors
- Buy-and-hold and flip strategies
- Investors building or restructuring a portfolio
FINANCING SOLUTIONS
REFINANCE
Refinancing for investors and business owners moving out of a short-term loan, buying out a partner, or pulling equity from an existing property to fund the next deal.
financing details
- Rate-and-term and cash-out options available
- Bridge-to-long-term transitions for completed projects
- Residential, multifamily, and commercial properties
built for
- Owners pulling equity to fund their next acquisition
- Borrowers refinancing out of a short-term loan
- Investors moving a finished project into long-term financing
FINANCING SOLUTIONS
FORECLOSURE PREVENTION
Fast capital for investors facing a foreclosure timeline on an investment property. We work to structure a payoff, refinance, or bridge solution that helps you meet your deadline and protect your equity.
financing details
- Short-term bridge and refinance options
- Fast close to meet auction or sale deadlines
- Asset-based underwriting
built for
- Investors with a property in default or pre-foreclosure
- Owners who need to pay off a lien or delay a sale
- Borrowers refinancing out of a distressed loan
FINANCING SOLUTIONS
COMMERCIAL
Financing for commercial real estate, including multifamily, retail, office, industrial, mixed-use, and special purpose properties. Short-term bridge and long-term options, structured around the asset and your business plan.
financing details
-Short-term bridge and long-term options available
- Multifamily, retail, office, industrial, mixed-use, self-storage, and hospitality
- Purchase, refinance, cash-out, and value-add
built for
- Sponsors acquiring or repositioning commercial property
- Owners recapitalizing or refinancing existing assets
- Value-add strategies that need work before stabilizing
FINANCING SOLUTIONS
BUSINESS ACQUISITION
Financing for buying an existing business or franchise, structured around the cash flow of the business and your transition plan. Real estate can be included when it's part of the deal.
financing details
- SBA and non-SBA options available
- Can include real estate, equipment, goodwill, and working capital
- Underwritten on business cash flow
built for
- Buyers purchasing an established business or franchise
- Owners buying out a partner
- Operators acquiring a competitor or second location
FINANCING SOLUTIONS
BUSINESS DEVELOPMENT
Capital for business owners building or expanding their own location, including ground-up construction, land acquisition, and facility expansion. Draws are structured around your build timeline.
financing details
- Ground-up construction and expansion financing
- Land acquisition available
- Draws released on completed milestones
built for
- Owner-operators building a new location
- Businesses expanding an existing facility
- Owners developing property for their own use
FINANCING SOLUTIONS
BUSINESS REHAB
Financing for business owners who need to rehab a property for their operations, including major repairs and repositioning an underperforming location. Purchase and rehab can be combined into one loan.
financing details
- Purchase and rehab in one loan
- Funds released as work is completed
- Underwritten on the property and the business plan
built for
- Owners buying a property that needs significant work
- Businesses repositioning an underperforming location
- Operators moving into a building that needs updates
FINANCING SOLUTIONS
BUSINESS RENOVATION
Capital for renovating or upgrading your existing business location, from interior build-outs and remodels to exterior improvements. Funds are structured around your project scope and timeline.
financing details
- Refinance with renovation funds included
- Interior build-outs, remodels, and exterior upgrades
- Structured around your project timeline
built for
- Owners upgrading a property they already operate from
- Businesses modernizing to attract customers or staff
- Operators who need renovation funds without selling
FINANCING SOLUTIONS
SBA FINANCING
Government-backed financing for small business owners, including SBA 7(a) and 504 programs. Flexible use of proceeds covers business acquisition, real estate, equipment, working capital, and debt refinance.
financing details
- SBA 7(a), 504, and USDA B&I programs where eligible
- Uses include acquisition, real estate, equipment, working capital, and refinance
- Lower down payment options on qualifying deals
built for
- Small business owners buying, expanding, or refinancing
- Owner-operators purchasing their own building
- Businesses that need longer repayment terms
frequently asked questions
Do I personal need tax returns or income documentation?
No. Deals are underwritten on the property and the plan, not personal income.
Do I need previous investing experience?
No prior experience is required to submit a scenario or get a term sheet. That said, terms like leverage and pricing can vary based on your track record, first-time investors are welcome, and we'll walk you through what to expect at every step.
What if my timeline is faster or slower than 10 days?
10 days reflects an average close, not a guarantee. Timelines shift based on title, appraisal, and how quickly documents come back, your dedicated team will keep you posted at every stage.
Can I close under an LLC?
Yes, most investor loans close under an entity rather than an individual name.
What happens after closing?
For construction and rehab deals, draws release as milestones are completed, not on a fixed monthly schedule, so funds show up when the work does.
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Disclaimer: Bear Private Capital DBA Molitor Financial Group, LLC | The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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