BUSINESS-PURPOSE MORTGAGE SOLUTIONS

Make the Shift.

Capital for the road ahead.

Real estate deals do not always fit neatly into a box. We help investors and business owners find a financing path that makes sense, then put in the work to get the deal to the finish line.

PurchaseSecure your next property
RefinanceImprove or restructure debt
Cash-OutPut property equity to work
Business PurposeInvestment and commercial use only

FINANCING OPTIONS

Every property is different.
The process is too.

We look at the property, the numbers, the borrower, and the goal before deciding how to move forward.

Investors01

DSCR Loans

Qualify investment properties using rental income, not personal income.

Learn more
Investors02

No Ratio Loans

Investment-property financing without a traditional income or DSCR qualification, typically for borrowers with 700+ credit.

Learn more
International03

Foreign National

U.S. investment-property financing for eligible non-U.S. citizens.

Learn more
5+ Units04

Multifamily Financing

Options for 5–8 unit properties and commercial multifamily with 9 units or more.

Learn more
Commercial05

Commercial Real Estate

Purchase, refinance, or unlock equity across a wide range of property types.

Learn more
Speed06

Bridge Financing

Short-term capital for acquisitions, transitions, renovations, and time-sensitive closings.

Learn more
$1M+07

Hard Money

Asset-focused, short-term financing for larger transactions that need speed or flexibility.

Learn more
Growth08

Construction

Financing for ground-up construction, substantial rehabilitation, and development projects.

Learn more
Business09

SBA Financing

Long-term financing for eligible owner-occupied commercial real estate and business needs.

Learn more
Flexible10

Creative Solutions

Alternative documentation, short-term second positions, and scenarios that require a wider lens.

Learn more

HOW WE WORK

Creativity finds a way. Hard work gets it done.

Some deals are straightforward. The ones that are not require someone willing to look deeper, ask better questions, and keep working when the first answer is no.

Who we are
  • 01
    Look at the whole deal

    We do not reduce a transaction to one number or one lender’s guideline.

  • 02
    Do the work

    Ideas are easy. Following up, fixing problems, and moving a file forward is where the work begins.

  • 03
    Tell you the truth

    If we see a path, we will explain it. If we see a problem, we will tell you that too.

HOW IT WORKS

Start with the deal.

You do not need to know which loan program you want. Give us the important facts and we will help you sort through the options.

  1. 1

    Tell us what you have

    Property, value, loan request, credit, timing, and what you are trying to do.

  2. 2

    We work through it

    We look at the strengths, the problems, and which programs may actually fit.

  3. 3

    Build the right file

    Once there is a direction, we ask for the documents that matter for that path.

  4. 4

    Keep it moving

    We stay involved, communicate clearly, and work through issues as they come up.

CLIENT EXPERIENCES

The work matters.
So does how we do it.

Real feedback from clients and partners belongs here. We’ll add it as we receive permission to share it.

01

Client story coming soon.

Investment Property
02

Client story coming soon.

Commercial Real Estate
03

Client story coming soon.

Business-Purpose Financing

PARTNER WITH US

You bring us the deal.
We’ll put in the work.

Have a client with a business-purpose mortgage that does not fit the usual box? We work with mortgage professionals, real estate professionals, and business advisors who need someone willing to work through the deal.

Partner With Us

PREFER TO TALK?

Schedule a consultation.

Choose a convenient time and tell us what you would like to discuss. We will follow up to confirm the appointment.

Request a Consultation

START THE CONVERSATION

Have a deal in mind?

Send us the core details. No long application and no document upload required for the initial review.

Business-purpose financing only
For investment and commercial transactions, not owner-occupied consumer mortgages.

Tell Us About the DealOnly relevant questions appear
01Contact and borrower
02Property and financing request
03Experience and liquidity

By submitting this form, you agree that Capital Shift and its financing providers may contact you by phone or email about this inquiry. This is a preliminary inquiry. It is not a credit application, approval, or commitment to lend. See our Privacy Notice and Disclosures.