ICF InterCapital Funding

Business-Purpose Real Estate Financing · Southfield, MI

Before you fill out another loan form, watch this.

Daryl explains exactly who InterCapital Funding is, what we fund and what makes a deal worth reviewing. Eight minutes that will save you weeks.

Who We Are

We're not a consumer mortgage company. We're an investor's lender.

InterCapital Funding is a private mortgage lender focused on business-purpose real estate. We work with the people who buy, fix, build and hold property for a living.

Investors

Acquiring, repositioning and scaling a portfolio.

Rehabbers

Buying distressed property and adding value.

Landlords

Stabilizing, refinancing and holding rentals.

Developers

Taking land to a completed project.

How We Think

We look at real estate the way investors do.

Every deal we review starts with five questions.

01

What is the property worth?

02

What is the plan?

03

What capital is going into the deal?

04

What does the property produce?

05

How do you get from closing to a successful exit?

The Framework

Cash. Collateral. Credit.

The easiest way to understand how we look at a deal is with three words.

Cash

A realistic contribution, liquidity and reserves for the transaction.

Collateral

The property and the numbers support the financing you're requesting.

Credit

Your history and risk profile, so we understand who we're partnering with.

A deal doesn't have to be perfect in every category. The whole transaction has to make sense.

What We Fund

Every deal type gets looked at differently.

Rental Investors

DSCR Loans

May qualify the property mainly on its cash flow, not your W-2 income or tax returns.

Rehabbers

Fix and Flip

We look at the acquisition, the rehab budget, the after-repair value and the exit.

Developers

Ground-Up Construction

We need to understand the land, total project cost, plans, contractor, timeline and completed value.

Multifamily and Private Capital

We dig deeper into property performance, sponsor strength and execution.

The Conversations We Want

Sound like your deal?

Refinance

You're refinancing out of hard money.

Stabilize

You're trying to stabilize a rental.

Acquire

You're acquiring a value-add property.

Cash Out

You're pulling cash from an investment asset.

Structure

Your project needs a more flexible structure than a bank allows.

That's the conversation we want to have.

Straight Talk

Here's what we are not.

✕

We're not promising every borrower an approval.

✕

We're not the lender for a primary-residence consumer mortgage. This is business-purpose real estate financing.

Before You Apply

Give us real information.

The cleaner the information, the faster we can understand the story. Have these ready.

1

Property address

2

Transaction type

3

Purchase price or current value

4

Requested loan amount

5

Rehab budget, if any

6

Estimated credit profile

7

Your experience

8

Your exit strategy

What Happens Next

After you apply.

Step 1

We review it

Your information is checked against the right loan program for the deal.

Step 2

Meets the criteria?

You may be given access to schedule directly with our team.

Not ready yet?

The relationship doesn't end

The deal may need a different structure, more information or a better time to revisit it.

Our Philosophy

Send the deal.

We'd rather underwrite reality than sell you a hypothetical.

If the numbers work, we'll tell you what the next step looks like. If they don't, we'd rather tell you early.

From Our Borrowers

Borrowers rate us 4.8 on Google.

★★★★★

4.8 out of 5

From 23 borrower reviews on Google

Read our Google reviews

Application

Give us the real numbers.

About two minutes. If your scenario meets the initial criteria, our team will reach out with the next step.

FAQ

Common questions

Do you lend on my primary home?

No. ICF provides business-purpose financing on non-owner-occupied investment property only.

Does my deal have to be perfect?

No. We look at cash, collateral and credit together. A deal doesn't have to be perfect in every category, but the whole transaction has to make sense.

Do I need W-2s or tax returns?

For rental properties, DSCR financing may qualify the property mainly on its cash flow rather than your personal income. Other programs vary.

What happens if my deal isn't ready?

That doesn't necessarily end the relationship. The deal may need a different structure, more information or a better time to revisit it.

Is submitting the application an approval?

No. We review every application against the right loan program. It is not a commitment to lend, and not every scenario qualifies.

InterCapital Funding · 800-963-0066 · [email protected]

InterCapital Funding Inc. · NMLS #2017191 · 23800 W 10 Mile Rd., Suite 230, Southfield, MI 48033. Business-purpose loans on non-owner-occupied investment property only. Not a commitment to lend. All loans subject to underwriting, approval and written disclosure.