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Welcome to Your Trusted Partner in Real Estate Financing

At Lumica Capital, we understand the dynamic needs of the real estate market. Our tailored loan programs are designed to provide flexible, fast, and efficient solutions for various real estate ventures. Explore our diverse loan programs to find the perfect fit for your next project.


Commercial Loans

Lumica Capital maintains strong banking and private lending relationships, which gives us the ability to offer an array of loan programs that will best serve our clients’ needs and their unique situation. Lumica Capital provides varying commercial loan programs to purchase and refinance almost all types of commercial real estate properties.  Our experienced representatives can direct which loan program best suits our clients’ needs whether SBA, conventional, alternative, or investment, and with different qualification requirements such as stated or low doc loan programs.

Bridge Loans

Bridge loans are  advanced to cover the period between the termination of one loan and the  start of another. It is arranged generally to complete a purchase  before the borrower receives payment from a sale, or before a long-term  loan is made available upon fulfillment of its requirements.  Also referred to as bridge or gap financing. 

Bridge loans carry relatively higher interest rates and usually have a  shorter term of six months to one or two years. These loans can remove the financial obligation from a previous loan or provide immediate funds to the  borrower. 

In commercial real estate  transactions, bridge financing gives buyers the flexibility they need  to quickly take advantage of short-term opportunities. Most often,  bridge loans are used to buy a property that needs significant upgrades  or renovations before lenders will consider offering longer-term,  lower-interest financing.

Hard Money Loans

A hard money loan is a specific type of asset-based loan financing in  which a borrower receives funds secured by the value of a parcel of real  estate. Hard money loans, which are typically provided by private lenders, are typically issued at higher interest rates than conventional commercial or residential property loans, and are more asset based opposed to credit and financial strength of the borrower.  Hard money is similar to a bridge loan which usually has similar  criteria for lending as well as the cost to the borrowers. The primary  difference is that a bridge loan often refers to a commercial property  or investment property that may be in transition and does not yet  qualify for traditional financing, whereas hard money often refers to  not only an asset-based loan with a high-interest rate, but possibly a  distressed financial situation, such as arrears on the existing  mortgage, or where bankruptcy and foreclosure proceedings are occurring.  Many hard money mortgages are made by private investors, generally in  their local areas. Usually the credit score of the borrower is not  important, as the loan is secured by the value of the collateral  property.

Rehab/Fix and Flip Loans

Fix and flip loans are used by short-term real estate investors to  purchase and renovate a property before flipping it for a profit. This  type of financing for flipping houses offers investors fast closings for  properties in any condition. Loan programs are also available for fix and hold opportunity when an investor elects to maintain ownership of the property to realize rental income.

Get Started Today!

Ready to take the next step in your real estate journey? Contact us now to learn more about our loan programs and discover how we can help you achieve your real estate investment goals.