Fast Reliable
Funding To Close Your Deal
At Trophy Point Capital, we provide loans for non-owner occupied properties across the country. Whether you are investing in a single property or multiple properties, our quick approvals and closings will allow you to move fast on investment opportunities. We’re here to support you as you grow and scale your wealth with our flexible loan options.
As a lending partner we understand your vision and timeline.
Financing to purchase and rehab investment properties.
Financing to purchase investment properties.
Loan Approval Within 48 HRS
Approval To Close As Soon As Within 5 DAYS
Cover UP TO 100% of All Renovation Costs
SPEED. We provide instant pre-approvals and quick loan decisions and closings.
FLEXIBILITY. Our financing options are flexible, including rental and rehab properties.
SIMPLICITY. We offer simple loan terms, with all costs rolled into one loan.
We provide loans for real estate investment properties across the United States.
To confirm if we provide loans in your area, review our lending location map. If your state is shaded, contact us to fill out an application today to get started.
Trophy Point lends to the following U.S. states: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Indiana, Kansas, Kentucky, Maryland, Michigan, Mississippi, Missouri, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington
We look forward to chatting and answering any questions. Please pick a time that works best for you.
Connect directly with us for a 30-minute one-on-one chat. We look forward to answering any questions about your real estate investment loan needs. Simply choose a date to get started.
If you want to first see if you quality for one of our loan programs, try our Pre-Qualification Calculator tool and answer a few simple questions.
“Trophy Point Capital was the first, well, the only lender who will give me a ground-up construction loan on a product to sell. That has enabled me to double my volume this year and we’re just scaling from there.” Thomas Lehmann, Property Solutions
“William at Trophy Point takes very good care of my clients. He guides them and communicates with them very effectively. What makes working with TP most valuable though is the communication William provides to me on a weekly basis on any issues that are coming up or delays so that I am able to quickly […]
“What makes working with TP most valuable is the communication William provides to me on a weekly basis on any issues that are coming up or delays so that I am able to quickly resolve and set realistic expectations to both sellers and buyers.” – Christie Mercer
“Working with Trophy Point has been one of the smoothest parts of my entire fix-and-flip process. Once you’re set up with them, everything is streamlined – minimal paperwork, transparent procedures, and straightforward steps for draws, construction payments, and loan servicing. They make hard-money lending feel easy. I’ve completed around six flips with Trophy Point so […]
At Trophy Point, they’re willing to consider many different types of non owner occupied deals, including development properties. They take the time to listen and ask questions so they truly understand each opportunity before they make their decision. I can also reach out and get answers to my questions very quickly and easily. – Dicky […]
A Real Estate agent had a goal to fix and flip 2-3 homes per year as a way to supplement her income, but she needed a partner to provide fast and flexible funding for her projects. Learn how working with Trophy Point helped transform her ‘side hustle’ into something more.
Below are commonly asked questions about our loan options, requirements and process. If you still have questions, contact us! We’re here to help.
Trophy Point lends across the United States. See our map to confirm if we lend in your state.
Unlike most of our competitors, we do NOT require an appraisal for 1-4 family buildings. We do require pictures of the property to understand the current condition.
We do not have a minimum loan amount.
We require basic documentation to underwrite the borrower, the property, and the project. This includes an application; copies of bank statements (to verify proof of funds); property pictures; documentation on the business entity (Articles of Incorp, Operating Agreement, Certificate of Good standing, EIN); copies of leases (if applicable); renovation estimates; proof of insurance; and we will do a soft credit pull (to verify self reported credit score).
No. The sooner you repay, the more you save!
Trophy Point is an asset-based lender that can lend up to 90% of the purchase price, and 100% of rehabilitation funds.
Most of our loans have a term length between 3-12 months. At times we will do longer term loans (up to 18 months) if it makes sense for the borrower.
We do not charge any upfront fees during the process. If you don’t close, you don’t pay!
Trophy Point is a commercial lender, meaning our loans are used for business purposes, rather than individual or personal interests. We do not provide funding for the purchase of any owner occupied residential properties. Our loans are strictly backed by non-owner occupied residential and commercial properties, and are issued to a business entity.
Owned by graduates of West Point, Trophy Point® is a trusted private direct lender focused on being the best capital partner for real estate professionals who want to grow their investment portfolio. We uphold the values of our alma mater, providing fast and flexible financing solutions that allow real estate investments to close quickly and hassle free.
Our loan options are available to real estate professionals, commercial contractors, developers, small business owners, military members & veterans throughout the country.
Learn more about Trophy Point and browse our available career and partnership opportunities.
