Real Estate Private Credit
Tailored Capital Solutions for Developers
Top Off Capital provides strategic private credit solutions designed for real estate investors, developers, and operators. As active multifamily owners with over 100+ units spanning Connecticut, Rhode Island, and Massachusetts, we take a calculated, market-driven approach to lending.
Our loan programs are designed for seasoned investors and operators seeking flexible, high-leverage financing for acquisitions, repositioning, renovations, and ground-up development—with a focus on long-term asset growth and value creation.
Loan Programs
Multifamily Repositioning Loans
For investors enhancing asset value through tenant repositioning, rent optimization, and property improvements.
- Loan Size: $500,000 – $4,000,000
- Leverage:
Up to 90% LTV/LTC
- Interest Rate: 10%–13% (Interest-Only)
- Term: 12 months + 12-month extension option
- Borrower Requirements: Minimum 10-unit track record
Construction Loans
For developers financing ground-up projects, major renovations, or adaptive reuse conversions.
- Loan Size: Customized to project scope
- Leverage: Up to 85% of total project costs
- Interest Rate: Competitive market rates
- Term: 12–24 months
- Structure: Interest-only during construction phase
Fix & Flip Loans
(Multifamily Borrowers Only)
Short-term renovation financing available exclusively for existing Top Off Capital borrowers with prior multifamily loan history.
- Loan Size: Minimum $400,000
- Leverage: Up to 90% of purchase & renovation costs
- Interest Rate: 10%–14%
- Term: 12 months (no extension)
- Eligibility: Only available to existing multifamily borrowers
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Why Borrowers Choose Top Off Capital
Local Expertise & Market Focus
Unlike national lenders, we lend where we operate. With deep market knowledge and direct ownership experience in our target regions, we take calculated risks based on real-time insights into property values, rental demand, and neighborhood trends. Our borrowers benefit from a lender who truly understands the local market.
Fast & Reliable Execution
We move at the speed of our borrowers. With a streamlined underwriting process and hands-on decision-making, we ensure quick term sheet issuance, efficient closings, and a certainty of execution that institutional lenders can’t match.
Relationship Driven Approach
We are more than just a capital provider; we are a long-term financial partner. By prioritizing trust, transparency, and tailored financing solutions, we build lasting relationships with borrowers, investors, and operators who align with our vision.
Commitment to Community
Our investments go beyond returns. By financing quality housing and value-add projects, we support local communities, improve neighborhoods, and contribute to sustainable economic growth in the markets where we lend.
Apply for Financing Today
Secure the funding you need to execute your next real estate investment with confidence.
Have questions? Contact us to discuss your capital needs.