Fast closing paths
Speed you can plan around on qualifying DSCR, bridge, and fix-and-flip loans.
Swift Lending for Strategic Investors Since 2015
Our lending platform provides fix and flip, DSCR, construction, and bridge financing with the speed experienced borrowers need.
1,000+Loans Closed
$750M+Capital Provided
11 YearsStrategic Lending Experience
Flexible Programs to Fit Your Deal
Start with the loan that fits your property, timeline, and exit plan.
DSCR
Rates Start at 6.50%
Long-term rental financing for purchase or refinance when property cash flow supports the loan.
- Loan Amount
- $100,000 - $20,000,000
- Maximum LTV
- Up to 80%
- Closing Time
- As fast as 15 days
Recent Financings for Borrowers$200,000 SFR Rental RefiChicago, IL
Construction
Rates Start at 9.99%
Ground-up financing for residential builders and developers, with selective commercial projects considered as well.
- Loan Amount
- $500,000 - $50,000,000+
- Loan-to-Cost
- 75-90%
- Loan Term
- 12-36 months
Recent Financings for Borrowers$5,500,000 Subdivision ConstructionDenver, CO
Fix & Flip
Rates Start at 9.50%
Short-term capital to acquire, renovate, and exit residential projects with terms visible upfront.
- Loan Amount
- $200,000 - $10,000,000+
- Loan-to-Cost
- Up to 90%
- Closing Timeframe
- Within 10 days
Fix & FlipClose in as little as 10 days from full file receipt
Bridge
Starting around SOFR plus 3%
Short-term bridge financing for properties and plans that are still in transition before permanent debt.
- Loan Amount
- $500,000 - $100,000,000+
- Closing Window
- 10-30 days
- Typical Term
- 12-36 months
Recent Financings for Borrowers$7,800,000 Multifamily BridgeLos Angeles, CA
Client Feedback
Borrowers consistently cite responsiveness, transparency, and follow-through from first call to closing.
Choose the Right Lending Path
Choose the page that matches the deal and move quickly toward the clearest next step.
Investors
- Quick options for purchases, refinancing, and portfolio growth
- Quickly see whether our DSCR, bridge, or construction programs match your scenario.
- Built for active, experienced investors who need certainty of closing.
Brokers
- We work with brokers and referral partners.
- Flexible involvement from simple intro to full point-of-contact support
- Brokers are protected.
Loan Programs
- Compare DSCR, fix & flip, bridge, and construction side by side
- See headline terms and where each program works best
- Move into calculator, contact, or intake without extra detours
Why Sphinx
Built to close, not to stall.
Terms up front
Amount, leverage, rate, and expected timing are made clear before you commit.
Certainty of closing
Early terms and coordinated diligence keep the team ahead of each deadline.
Relationships protected
Broker and referral relationships stay protected from introduction through closing.
A real track record
More than 1,000 loans and $750M in capital provided since 2015.
Business-purpose focus
Built for real estate investors, builders, and brokers—not consumer mortgages.
Recent Financings for Borrowers
A sample of what we close.
Recently funded transactions across Sphinx Capital's national lending footprint.
$812,000 SFR Bridge Refi
Atlanta, GA
$7,800,000 Multifamily Bridge
Los Angeles, CA
$200,000 SFR Rental Refi
Chicago, IL
$860,000 Pre-Construction Bridge
Austin, TX
$940,000 Luxury Rental Bridge Loan
Windermere, FL
$5,500,000 Subdivision Construction
Denver, CO
Where We Lend
Lending coast to coast.
Sphinx Capital funds business-purpose real estate loans nationwide, with local presence in Austin, Chicago, and Sarasota. Program availability varies by property state and loan type.
What Happens After You Apply
A six-step path from initial review to funding, with clear expectations at each stage.
- Step 1
Start Your Application
Share the property, borrower, and loan details needed for an initial review.
- Step 2
Review Early Terms
We review the request and come back with early feedback and loan terms.
- Step 3
Complete Your Application
If the fit looks right, we collect the remaining items needed to keep moving.
- Step 4
Order Third-Party Reports
Appraisal, title, insurance, and related diligence are coordinated as needed.
- Step 5
Final Review
We clear remaining questions and prepare the loan for approval.
- Step 6
Close And Fund
Closing is coordinated and the loan moves to funding.
Talk to Us
Tell us what property you are buying, refinancing, or building, and we will point you to the clearest next step.
- Address
- 1343 Main Street, Suite 705Sarasota, FL 34236
- Call Us
- (512) 541-2920
- Email Us
- [email protected]
Ready to Apply for a Loan?
Start your application when you are ready, or talk to us first if you want help choosing the right loan.