In-house underwriting
Speak directly with the decision makers for certainty of close.
Reliable Lending for Experienced Investors Since 2015
Sphinx Capital is a direct private lender backed by family office and institutional partners, providing residential and commercial real estate loans to experienced investors nationwide.
1,000+Loans Closed
$850M+Capital Provided
11 YearsLending Since
Flexible Programs to Fit Your Deal
Choose the loan program that fits your property, timeline, and exit plan.
DSCR
Rates Start at 6.25%
Short-term financing to buy and renovate residential properties, whether you plan to sell or to rent and refinance (BRRRR).
- Loan Amount
- $100,000 - $20,000,000
- Maximum LTV
- Up to 80%
- Property Type
- SFR, 2-4 units, condos, and PUDs
Recent Financings for Borrowers$200,000 SFR Rental RefiChicago, IL
Construction
Rates Start at 8.99%
Purchase and refinance financing for 5- to 20-unit rental properties, qualified on the rent the units produce.
- 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%
Ground-up financing for builders and developers, with select commercial projects considered case by case.
- 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 a complete file
DSCR Rental
7.99% – 11.99%
Long-term financing for 1–4 unit rentals, qualified on the property's rental income. Includes purchase, rate-and-term refinance, and cash-out.
- Loan Amount
- $250,000 - $100,000,000+
- Closing Window
- 10-30 days
- Typical Term
- 12-36 months
Recent Financings for Borrowers$7,800,000 Multifamily BridgeLos Angeles, CA
For borrowers who use AI agents
Apply for a loan with your AI agent
Let your AI agent handle the application. Confirm you are a person, copy one prompt, and paste it into your agent. It gathers the details with you and submits nothing until you approve.
- Confirm you are a person and authorize one application.
- Copy the prompt we create for you.
- Paste it into your agent and review its answers before it submits.
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.
Borrowers
- 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
Your Success Is Our Priority
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
Brokers and referrals are the backbone of our business. Your client relationships remain yours for life.
Track record
More than 1,000 loans and $850M 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, Memphis, New York, Orange County, and Sarasota.
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
Processing
We collect additional documentation to verify your application and underwrite the loan.
- 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 705-733Sarasota, FL 34236
- Call Us
- (941) 237-0419
- 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.
Recently Closed Loans