LENDING

Capital for Real-World Execution

We deploy capital across bridge, acquisition, construction, and refinance loans—with the ability to close in as little as 10 days.

Lending Parameters

We focus on deals that make sense— financially, operationally, and strategically.

Loan Sizes

$2M - $10M

Origination Fee

1 - 3% depending on complexity

Interest Rate

Negotiable depending on LTV & property risk

LTV

60 - 70% max

Term Length

6 - 24 months

Close Timeline

As fast as 10 days

Property Types

Single/multi family residential, Commercial, Mixed Use, Land, Hospitality

Loan Types/Use of Proceeds

Acquisition, Bridge, Construction, Refinance

Geography

We can execute on deals in the broader United States, but have unique experience in Colorado, Hawaii and Texas.

Colorado

Hawaii

Texas

Lending Solutions

We offer debt capital across a range of real estate strategories, including:

Acquisition Financing

Acquisition financing from ERF Capital is designed to help investors and developers act decisively when the right opportunity presents itself. Whether pursuing an off-market deal or competing in a tight acquisition environment, we provide financing that supports speed, certainty, and execution.

Bridge Loans

Bridge loans are designed to provide flexible, short-term financing that allows investors to act quickly on acquisitions, stabilize assets, or execute transitional strategies ahead of permanent financing. These loans are ideal when timing matters and traditional financing isn’t yet available or optimal.

Value-Add & Transitional Assets

Value-add and transitional assets require lenders who understand execution risk, business plans, and operational complexity. ERF Capital specializes in financing properties undergoing repositioning, renovation, or operational improvement. We work closely with sponsors to ensure the capital structure supports the full value-creation cycle.

Construction & Development Loans

Construction and development projects demand disciplined underwriting, experienced sponsorship, and a lender who understands risk management throughout the build process. ERF Capital provides construction and development loans structured to support projects from ground-up construction through stabilization.

Refinancing & Recapitalizations

Refinancing and recapitalizations are critical tools for unlocking equity, extending hold periods, or repositioning ownership structures. ERF Capital works with owners to restructure debt in a way that aligns with long-term strategy.

Our Lending Approach

Our dual pronged lending philosophy is straightforward:

ERF Capital’s lending approach is grounded in disciplined underwriting, clear structures, and a deep understanding of real estate execution. We focus on delivering lending solutions that move efficiently, align with the borrower’s strategy, and support long-term success rather than short-term transactions.

Clear Terms

ERF Capital structures loans with transparent, straightforward terms so borrowers fully understand their obligations, timelines, and exit options from the outset.

Efficient Underwriting

Our underwriting process is designed to move quickly without sacrificing discipline, focusing on the fundamentals that matter most to the deal.

What Sets Our Lending Apart

Close in as fast as 10 days

We move with urgency when timing matters, with the ability to close in as fast as 10 days on qualified opportunities. Our streamlined process and direct decision-making help eliminate delays and keep deals on track.

We've been on both sides of the closing table

Our team brings experience as both capital providers and real estate operators, giving us a practical understanding of what it takes to execute. This perspective allows us to evaluate deals with clarity and structure solutions that reflect real-world challenges.

We structure around the deal, not a product box

Every transaction is approached individually, with terms tailored to the asset, strategy, and borrower—not forced into a rigid lending template. This flexibility allows us to create solutions that actually support execution rather than constrain it.

Designed for a smooth transaction

Our capital is designed to remove friction, giving borrowers the confidence and speed needed to act on opportunities. We focus on supporting the full business plan—from acquisition through execution and exit—so projects can move forward

Management

Equity

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