Private Capital Built for Real Estate Investors

Fast closings. Simple underwriting. Flexible loan programs for residential and commercial investment properties.

Apply Now Partner With Us

Quick Program Overview

Financing solutions built for residential and commercial investment strategies.

  • A construction worker in a hard hat and safety vest carries a ladder across a partially renovated room with scattered tools and building materials.

    Fix & Flip

    Fast capital for acquiring, renovating, and reselling 1–4 unit properties.

    Learn More
  • Two people shake hands over a contract, with one handing over cash and a small house model and keys on the table, suggesting a real estate transaction.

    DSCR Rental

    Long-term financing for cash-flowing rentals based on property income.

    Learn More
  • Wooden framing structure of a building under construction at a job site, with sunlight shining through the beams and construction equipment in the background.

    New Construction

    Ground-up financing for 1–4 unit residential builders.

    Learn More
  • A small model building on a table with two people in business attire shaking hands in the blurred background.

    Commercial Bridge

    Short-term funding for acquisitions, refinances, and value-add.

    Learn More
  • Three people in business attire sit at a table with documents, a calculator, and pens; two of them are shaking hands across the table.

    Commercial Permanent

    Long-term financing for stabilized commercial assets.

    Learn More
  • A construction crane stands next to a multi-story concrete building under construction against a clear blue sky.

    Ground-Up Construction

    Capital for developers building new commercial/mixed-use projects.

    Learn More

Why Harbor Point Credit?

We deliver capital designed for execution — not delays.

Learn More

Fast Decisions

Move quickly to compete and close with confidence.

Reliable Capital

Consistent funding sources to close deals on time, every time.

Investor-Focused

Common-sense, asset-based underwriting.

Simple Process

Streamlined submissions and transparent communication.

Flexible Options

Built for flips, rentals, bridge, and construction.

Direct Access

No layers, no delays. Work directly with decision-makers.

Who We Work With

Two people shake hands in a business setting, with a small house model, keys, and documents on the table, suggesting a real estate transaction or agreement.

Real Estate Investors

Capital for fix & flip projects, rental portfolios, BRRRR strategies, and value-add opportunities.

A person holds a small house model and keys, with dollar bills, a calculator, and a pen on a wooden table in the foreground.

Mortgage Brokers

A dependable capital partner offering fast responses, protected fees, and flexible programs.

A man in a suit stands outdoors in front of modern apartment buildings, smiling while reading a newspaper.

Commercial Real Estate Borrowers

Bridge, permanent, and construction financing for income-producing assets.

Woman in a suit and hard hat holds blueprints at a construction site; three people in hard hats work in the background near a laptop.

Real Estate Developers

Ground-up construction and redevelopment loans with efficient draw structures.

Capital in Action

Harbor Point Credit moves fast and keeps things simple. Here’s a look at the types of deals we structure and the borrowers we work with.

Deal Type: Commercial Bridge

Loan Property: Retail strip center, Southern California

Loan amount: $5M

Close time: 14 business days

Situation: Sponsor needed to close before permanent financing was ready. Harbor Point stepped in with bridge capital, asset-based underwriting, and a clean close on an accelerated timeline.

Deal Type: Commercial Permanent

Property: Multifamily (5+ units), value-add stabilized

Loan amount: $27M

Situation: Experienced operator refinancing out of a bridge position into long-term commercial permanent financing. Qualified on asset cash flow and sponsorship track record.

Deal Type: Ground-Up Construction

Property: Hospitality commercial development

Loan amount: $78M

Close time: 22 business days

Situation: Developer required flexible, draw-based construction financing for a phased Hospitality project. Harbor Point structured a full construction facility aligned to the project’s development schedule.

Partner With Us

  • Fast Answers
  • Protected Fees
  • Deals that close
  • Quick Turn Times
  • Clear Communication
  • Flexible Programs
Partner With Us