Capital Partners
Fast, asset-backed financing for real estate investors. Value-add, bridge, and residential fix-and-flip capital from $500K to $3M, structured around your deal and closed inside four weeks.
Loan Terms
Terms by program
Indicative terms across our programs. Final terms are set per deal.
| Loan Terms | Value-Add | Bridge Financing | Residential Fix & Flip |
|---|---|---|---|
| Loan Amount | $500K – $3M | $500K – $3M | $500K – $3M |
| Interest Rate | From 9% (IO) | From 9% (IO) | From 9% (IO) |
| Max LTV | Up to 65% | Up to 65% | Up to 65% |
| Loan Term | 24 – 36 months | 24 – 36 months | 24 – 36 months |
| Lien Position | First mortgage | First mortgage | First mortgage |
| Recourse | Non-recourse w/ carve-outs | Non-recourse w/ carve-outs | Non-recourse w/ carve-outs |
| Closing | Inside 4 weeks | Inside 4 weeks | Inside 4 weeks |
| Underwriting | Asset + business plan | Asset-based | Asset-based |
Loan Programs
Capital structured around your deal
We lend on the asset and the business plan. Whether you are adding value, bridging to a sale or refinance, or flipping, we structure around what the deal actually needs.
Value-Add
Capital for properties that need work before they can be stabilized, refinanced, or sold. We lend against the after-repair value.
- Renovation
- Construction
- Redevelopment
Bridge Financing
Short-term, flexible capital for investors who need to move fast. Close in weeks, not months, on deals where conventional financing falls short.
- Acquisition financing
- Refinancing
- Predevelopment
- Note financing
- 1031 exchanges
- Time-sensitive closings
Residential Fix & Flip
Short-term financing for residential acquisition and renovation, structured from purchase through resale.
- Acquisition plus rehab
- Renovation draws
- Sale or refinance exit
Asset Types
What we lend on
Across our Value-Add and Bridge programs.
How It Works
Simple. Fast. Certain.
We have taken the complexity out of traditional lending. Here is how we go from introduction to funded.
01
Submit Your Deal
Send the address, purchase price or current value, the loan amount you need, and a short description of the plan. No lengthy applications.
02
We Underwrite Fast
Our team reviews the asset, the market, and the plan, then issues a term sheet quickly, often within 24 to 48 hours.
03
Close With Certainty
Once terms are agreed we move to closing and fund from our own balance sheet. Most deals close inside four weeks.
Why XD Capital Partners
We lend like investors, because we are.
XD Capital Partners is backed by the same owner-operator experience that drives XD Commercial's broader real estate platform. We understand deals because we do deals, which means we underwrite faster, structure smarter, and close when others cannot.
Balance Sheet Lender
We fund from our own capital, so there is no third-party approval and no last-minute surprises.
Asset-Focused Underwriting
We lend on the property and the plan, not just the credit score.
Speed to Close
Term sheets in 24 to 48 hours. Closings inside four weeks, not months.
Investor-First Thinking
We know what a good deal looks like, because we do deals ourselves. We structure to make yours work.
Leadership
Led by Steven Renbaum
Steven Renbaum
Principal, Capital Partners
Steven works both sides of the capital stack: providing bridge loans for commercial acquisitions, value-add projects, and residential fix-and-flips, and acquiring small-bay industrial and flex properties across the Mid-Atlantic. He brings 15+ years in commercial real estate and an owner-operator's perspective to every deal, which keeps underwriting grounded and the process fast.
Get Started
Have a deal that needs capital?
Tell us about it. We respond to every qualified submission, usually within one business day.