Frequently Asked Questions

Everything you need to know about our 30-year fixed-rate financing.

Are you a direct lender or a broker?

We are a direct lender. Capital Financial Global closes and funds every loan in our own name, and we sell each loan to institutional investors on the secondary market. When you work with us, you are working with the lender from application through closing.

How can you offer 30-year fixed-rate loans? Most private lenders only do short-term bridge loans.

After we close and fund your loan, we sell it to institutional investors on the secondary market — a similar market to the one that supports conventional 30-year mortgages. This means we have access to deep, market-driven capital that allows us to offer permanent, long-term financing that private hard money lenders and hedge funds simply cannot.

What happens to my loan after closing?

Your loan is sold to institutional investors on the secondary market. Your rate and terms are locked — nothing changes. You will receive servicing information after closing so you know exactly where to send payments.

What kind of loans does Capital Financial Global offer?

We provide 30-year fixed-rate financing for commercial real estate investors. Our loans are fully amortized with no balloon payments, no requalification requirements, and no surprises that force you to refinance. Loan amounts range from $100,000 to $5,000,000. Qualify once. Done for 30 years.

What property types do you finance?

We finance most investment property types in major metropolitan areas, including multifamily (5+ units), mixed-use, retail, office, warehouse, industrial, self-storage, and 1-4 unit residential investment properties. The property must be non-owner-occupied. We do not finance rural properties, land, special use properties, or renovation/construction projects.

Where do you lend?

We lend in all major metropolitan areas across the United States. We do not finance properties in rural areas.

Do you offer fix-and-flip or renovation loans?

No. We provide long-term permanent financing for stabilized properties only. We do not offer fix-and-flip loans, renovation loans, construction loans, or any short-term financing. If your property requires significant renovation before it can generate income, it is not ready for our program. Once the property is stabilized, we can provide the permanent financing to hold it for the long term.

My bridge loan is maturing. Can you help?

This is exactly what we do. We refinance maturing bridge loans into 30-year fixed-rate permanent financing. No more requalification pressure, no more maturity deadlines, no more short-term rate risk. Qualify once. Done for 30 years.

Can you pay off my current lender directly?

Yes. At closing, we pay off your existing bridge loan balance directly. You walk away with permanent financing in place and your bridge lender fully satisfied.

My bridge lender is pressuring me to requalify or pay off. How fast can you move?

We issue term sheets within 48 hours of receiving a complete application. From term sheet to closing, typical turnaround is 3 to 5 weeks depending on property type and appraisal scheduling.

Can I use your financing to purchase a property?

Yes. We originate 30-year fixed-rate purchase loans for commercial real estate investors who want long-term stability from day one. Most investors end up in bridge loans or adjustable rates because they cannot document income the traditional way. We underwrite the property, not your tax returns — so you can acquire and hold with permanent financing already in place.

Do I need to get a bridge loan first and then refinance?

No. If the property is already stabilized, you can go straight to 30-year permanent financing. There is no reason to take on a short-term bridge loan if you plan to hold the property long term. Qualify once. Done for 30 years.

Can I do a cash-out refinance?

Yes. If you have equity in your commercial property and need capital — for your next deal, renovations on another property, or portfolio growth — we offer cash-out refinancing with a 30-year fixed rate. Access your equity without selling the asset or taking on short-term risk.

Is there a limit to how much equity I can pull out?

Cash-out is subject to the same loan-to-value limits as our other programs. The amount available depends on your property value and which program you qualify for.

Do I need to provide tax returns?

No. We do not require tax returns or personal financial statements. We underwrite the property, not your income documentation.

What credit score do I need?

It depends on the program. Our Gold Tier is designed for borrowers with medium credit quality — you do not need perfect credit. Our Silver Tier accommodates any credit situation, including recent bankruptcy or foreclosure. The right program depends on your property, your loan-to-value, and your goals.

What if I was turned down by a bank?

Many of our borrowers come to us after a bank turndown. Banks underwrite the borrower — we underwrite the asset. If you own a good property, you likely qualify regardless of what a bank told you.

Do I need to requalify over the life of the loan?

No. You qualify once at origination. There are no requalification requirements over the 30-year term. No balloon payments, no surprises, no events that force you to refinance. Qualify once. Done for 30 years.

Are your rates competitive?

Our rates reflect the value of what we provide: 30-year fixed-rate permanent financing with no tax returns, no income documentation, and no requalification — ever. Borrowers who qualify for conventional bank rates should absolutely pursue that option. We serve borrowers who cannot qualify the traditional way, and for them, the alternative is typically a short-term bridge loan at a higher effective cost with far more risk. Our rates are fair, and the stability they buy is the entire point.

Is there a prepayment penalty?

Yes. All of our loans carry a prepayment penalty. This is standard for long-term fixed-rate financing sold on the secondary market. The specific terms are disclosed in your term sheet before you commit.

Is there a cost to apply?

Pre-qualification screening is free. After you receive and accept a term sheet, there is an appraisal fee required to move forward with underwriting.

Can I use an existing appraisal?

No. We require a new, independent appraisal ordered through our process. We cannot accept assigned or transferred appraisals from other lenders.

What is the Gold Tier 30-Year Fixed?

Our Gold Tier program is a 30-year fixed-rate loan with up to 75% loan-to-value. It is designed for borrowers with medium credit quality. No tax returns or personal financial statements required. You qualify based on the property, not your income documentation.

What is the Silver Tier 30-Year Fixed?

Our Silver Tier program is a 30-year fixed-rate loan with up to 50% loan-to-value. It is designed for borrowers in any credit situation — recent bankruptcy, foreclosure, or other credit events. If you own a good property, we can get you permanent financing regardless of your credit history.

What is the difference between Gold Tier and Silver Tier?

Gold Tier offers higher leverage (up to 75% LTV) for borrowers with medium credit quality. Silver Tier accommodates any credit scenario but caps leverage at 50% LTV. Both are 30-year fixed-rate loans with no tax returns required. When you go through our screening process, we will determine which program fits your situation.

How do I get started?

Start with our free online pre-qualification screening at apply.capfiglobal.com. Answer a few questions about your property and we will tell you instantly whether you qualify and which program fits. If you qualify, you can book a call with our team to discuss next steps.

How long does it take to get a term sheet?

We issue term sheets within 48 hours of a completed application.

How long does closing take?

Typical turnaround is 3 to 5 weeks from accepted term sheet, depending on property type and appraisal scheduling.

Who is the transfer agent for CFGX stock?

Transfer Online is CFGX’s transfer agent. They maintain the records of registered shareholders. For address changes, current holdings, or stock certificates, contact Transfer Online at (503) 227-2950 or visit transferonline.com.

Still have questions?

Call us at (801) 747-2000 or start your free pre-qualification.

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