When it comes to alternative financing, New York dominates the national landscape in terms of sheer hard money loan volume. The state’s unique combination of hyper-dense urban centers, high-value luxury real estate, and sprawling multi-family developments requires immense capital liquidity. Traditional banks simply cannot keep pace with the velocity of the New York market, where a delay of a few days can cost an investor a multi-million-dollar acquisition in Brooklyn or Manhattan. As a result, billions of dollars in private capital are deployed annually across the Empire State. Direct hard money lenders in New York provide the agile, asset-based underwriting necessary to fund heavy rehabs, ground-up high-rises, and rapid acquisitions, cementing the state as the financial capital for private lending.
The current New York hard money market is highly dynamic, characterized by a distinct pivot toward multifamily value-add projects and DSCR (Debt Service Coverage Ratio) loans for Upstate rental portfolios. Due to New York's aging housing stock, lenders are seeing a massive influx of heavy renovation requests. However, New York is a judicial foreclosure state, meaning the legal timeline to reclaim a defaulted property can take significantly longer than in other states. Because of this regulatory landscape, lenders are prioritizing experienced investors with strong track records and well-capitalized sponsors. To navigate this competitive environment, securing a reliable relationship with a localized capital partner is the most critical step an investor can take.
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Below are 21 localized private capital firms that maintain their headquarters or a dominant lending footprint in New York.
1. Emerald Creek Capital Emerald Creek Capital is a premier alternative investment firm providing short-term real estate financing. They specialize in complex, time-sensitive commercial bridge loans across the Tri-State area.
Presence in New York: Headquartered in Manhattan, NY, with an extensive track record of funding commercial deals across the state.
Loan Amount Range: $2,000,000 to $50,000,000
Loan Types: Commercial Bridge, Mixed-Use, Inventory Loans
Phone Number: (800) 313-2616
Email: info@emeraldcreekcapital.com
Website: emeraldcreekcapital.com
2. Manhattan Bridge Capital Manhattan Bridge Capital is a publicly traded, New York-based real estate investment trust (REIT) that offers short-term, secured, non-banking loans to real estate investors.
Presence in New York: Headquartered in Great Neck, NY, with a heavy focus on the 5 boroughs and Long Island.
Loan Amount Range: $100,000 to $3,000,000
Loan Types: Fix & Flip, New Construction, Bridge
Phone Number: (516) 444-3400
Email: info@manhattanbridgecapital.com
Website: manhattanbridgecapital.com
3. W Financial W Financial is an established direct lender known for certainty of execution and speed. They cater to borrowers acquiring or refinancing commercial real estate who need capital faster than institutional channels allow.
Presence in New York: Headquartered in NYC, providing significant liquidity to the Tri-State area.
Loan Amount Range: $1,000,000 to $50,000,000
Loan Types: Commercial Bridge, Multi-Family, Land
Phone Number: (212) 684-2283
Email: info@w-financial.com
Website: w-financial.com
4. S3 Capital Partners S3 Capital is one of the most active middle-market private debt lenders in New York City, drawing on deep development experience to fund complex construction and heavy rehab projects.
Presence in New York: Headquartered in NYC, focusing intensely on the NY Metro area and heavy construction.
Loan Amount Range: $1,000,000 to $250,000,000
Loan Types: Ground-up Construction, Heavy Rehab, Bridge
Phone Number: (212) 300-8800
Email: info@s3cap.com
Website: s3cap.com
5. Madison Realty Capital Madison Realty Capital is an institutional-grade, vertically integrated real estate private equity firm that provides highly tailored financing for major multi-family and commercial developments.
Presence in New York: Headquartered in NYC with massive deal volume across the five boroughs.
Loan Amount Range: $5,000,000 to $500,000,000
Loan Types: Construction, Mezzanine, Preferred Equity
Phone Number: (646) 868-7600
Email: info@madisonrealtycapital.com
Website: madisonrealtycapital.com
6. Asset Based Lending (ABL) ABL is a premier hard money lender dedicated to helping real estate investors scale their businesses. They are known for rapid funding of single-family flips and small multi-family properties.
Presence in New York: Dominant presence across NY state, including the NYC boroughs, Long Island, and Upstate.
Loan Amount Range: $75,000 to $3,000,000
Loan Types: Fix & Flip, New Construction, DSCR
Phone Number: (201) 379-6838
Email: info@abl1.net
Website: ablfunding.com
7. Avant Capital Partners Avant Capital is a commercial real estate lender offering high-yield debt solutions. They focus heavily on value-add multi-family and mixed-use transitional assets.
Presence in New York: NYC headquartered, primarily focused on the Tri-State area and local mixed-use transitional assets.
Loan Amount Range: $1,000,000 to $25,000,000
Loan Types: Bridge, Value-Add Multi-Family
Phone Number: (203) 612-9580
Email: Contact through website
Website: avant-capital.com
8. Trevian Capital Trevian Capital provides highly flexible, short-term commercial real estate bridge loans to sponsors requiring immediate capital for acquisitions, recapitalizations, or discounted payoffs.
Presence in New York: Headquartered in NYC, aggressively funding middle-market commercial assets throughout the state.
Loan Amount Range: $2,000,000 to $50,000,000
Loan Types: Commercial Bridge, Repositioning
Phone Number: (212) 376-5636
Email: contact@treviancap.com
Website: treviancap.com
9. Century Capital Partners Century Capital offers specialized private financing for real estate investors. With deep roots in the NY market, they pride themselves on customized lending structures and localized appraisals.
Presence in New York: Based in NYC, heavily funding the NY/NJ corridor and lower Hudson Valley.
Loan Amount Range: $500,000 to $25,000,000
Loan Types: Bridge, Fix & Flip, Multi-Family
Phone Number: (877) 335-5464
Email: info@centurycapitalfinance.com
Website: centurycapitalfinance.com
10. Alpha Funding Alpha Funding partners with investors to provide private capital for residential and commercial projects. They operate with an entrepreneurial mindset to quickly evaluate complex distressed assets.
Presence in New York: Operates extensively in NY, specifically funding transitional urban and suburban properties.
Loan Amount Range: $100,000 to $10,000,000
Loan Types: Fix & Flip, Multi-Family, Ground-Up
Phone Number: (732) 908-4894
Email: info@alphafunding.com
Website: alphafunding.com
11. Pembrook Capital Management Pembrook provides commercial real estate debt, including first mortgages and mezzanine financing, with a specific focus on affordable and workforce housing developments.
Presence in New York: NY HQ with a national footprint, executing significant affordable housing deals across New York.
Loan Amount Range: $5,000,000 to $40,000,000
Loan Types: Bridge, Mezzanine, Preferred Equity
Phone Number: (212) 906-8680
Email: info@pembrookgroup.com
Website: pembrookgroup.com
12. Castellan Capital Castellan focuses on lending against transitional commercial real estate assets. They cater to middle-market sponsors seeking highly responsive, non-bureaucratic capital.
Presence in New York: Headquartered in NYC, focused heavily on the New York metropolitan area.
Loan Amount Range: $2,000,000 to $30,000,000
Loan Types: Commercial Bridge, Renovation
Phone Number: (646) 545-6710
Email: loans@castellancapital.com
Website: castellancapital.com
13. RD Advisors RD Advisors is a boutique real estate lender that simplifies the borrowing process for residential and commercial investors, focusing purely on asset value rather than borrower credit scores.
Presence in New York: NYC headquartered, dedicated to NY Metro and Upstate NY.
Loan Amount Range: $1,000,000 to $10,000,000
Loan Types: Bridge, Multi-Family, Commercial
Phone Number: (212) 785-4680
Email: contact@rdadvisorsre.com
Website: rdadvisorsre.com
14. Gelt Financial Gelt Financial provides non-bank commercial real estate financing. They are a family-owned firm that thrives on funding the "out of the box" deals that other lenders turn down.
Presence in New York: Significant lending presence across New York state, providing capital for complex non-bank commercial deals.
Loan Amount Range: $100,000 to $5,000,000
Loan Types: No-Doc Commercial, Bridge, DIP Financing
Phone Number: (561) 221-0900
Email: info@geltfinancial.com
Website: geltfinancial.com
15. Silver Arch Capital Partners Silver Arch is a nationwide private lender specializing in commercial bridge loans for properties undergoing transition, restructuring, or fast-track acquisitions.
Presence in New York: Dominates the NY commercial bridge market, funding complex transitional properties statewide.
Loan Amount Range: $1,000,000 to $50,000,000
Loan Types: Commercial Bridge, Land, Restructuring
Phone Number: (201) 254-2555
Email: info@silverarchcp.com
Website: silverarchcp.com
16. Aristocrat Real Estate Capital Aristocrat acts as a reliable capital source for seasoned flippers and developers, providing high-leverage bridge loans with an emphasis on customer relationship and transparency.
Presence in New York: NYC-based, primarily servicing the New York City boroughs and surrounding suburban counties.
Loan Amount Range: $500,000 to $10,000,000
Loan Types: Bridge, Fix & Flip, Cash-Out Refinance
Phone Number: Contact via email
Email: info@aristocratgp.com
Website: aristocratgp.com
17. The Bluestone Group The Bluestone Group is a private investment firm that specializes in acquiring non-performing commercial real estate loans and originating customized bridge loans for transitional assets.
Presence in New York: NY headquartered, specializing in New York transitional properties and non-performing notes.
Loan Amount Range: $1,000,000 to $50,000,000
Loan Types: Bridge, Distressed Debt Acquisition
Phone Number: (917) 757-4752
Email: contact through website portal
Website: thebluestonegroupllc.com
18. GCP Capital Group GCP Capital Group is widely regarded as one of the most active commercial real estate financing firms in NY, securing highly competitive debt for major multifamily and commercial projects.
Presence in New York: Headquartered in Great Neck, NY, driving immense transaction volume throughout NYC and Long Island.
Loan Amount Range: $1,000,000 to $50,000,000+
Loan Types: Bridge, Construction, Permanent Financing
Phone Number: (516) 487-5900
Email: info@gcpcapitalgroup.com
Website: gcpcapitalgroup.com
19. Maximus Mortgage Advisors Maximus Mortgage Advisors provides swift liquidity solutions for real estate operators, focusing on clear communication and flexible draw schedules for heavy renovation projects.
Presence in New York: NY-based operations with a deep understanding of local market valuations.
Loan Amount Range: $1,000,000 to $25,000,000
Loan Types: Bridge, Construction
Phone Number: (866) 664-4632l
Email: team@maxloans.com
Website: maxloans.com
20. Sioni Group Sioni Group is a real estate development and investment firm that structures debt for complex commercial real estate acquisitions, repositioning, and refinancing.
Presence in New York: Headquartered in NYC, actively structuring debt for Manhattan and outer-borough acquisitions.
Loan Amount Range: $1,000,000 to $50,000,000
Loan Types: Commercial Bridge, Recapitalization
Phone Number: (212) 704-7412
Email: contact via web portal
Website: sionigroup.com
21. Edgewood Capital Edgewood Capital brings institutional discipline to the private lending space, funding commercial properties that are in transition or require immediate capital for turnaround.
Presence in New York: High lending volume in the NY/CT/NJ tri-state area, supporting value-add commercial operators.
Loan Amount Range: $1,000,000 to $15,000,000
Loan Types: Bridge, Value-Add Commercial
Phone Number: (203) 255-1700
Email: info@edgewoodcapital.com
Website: edgewoodcapital.com
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22. Sharestates Founded in New York, Sharestates has grown into one of the largest national real estate crowdfunding and lending platforms, offering highly aggressive leverage for flippers and developers.
Presence in New York: Deep NY roots with massive volume across the 5 boroughs and Long Island.
Loan Amount Range: $100,000 to $20,000,000
Loan Types: Fix & Flip, Build-to-Rent, Heavy Rehab
Phone Number: (212) 201-0750
Email: contact through web portal
Website: sharestates.com
23. Genesis Capital Genesis Capital is a powerhouse in the institutional hard money space, providing highly scalable capital facilities for elite, high-volume real estate developers.
Presence in New York: Top-tier capital provider in New York for high-volume, multi-project developers.
Loan Amount Range: $1,000,000 to $50,000,000+
Loan Types: Revolving Lines of Credit, New Construction, Bridge
Phone Number: (800) 663-2195
Email: info@genesiscapital.com
Website: genesiscapital.com
24. Visio Lending Visio Lending is the nation’s leader in DSCR (Debt Service Coverage Ratio) loans. They provide rapid 30-year rental loan products that help NY investors scale portfolios without personal income verification.
Presence in New York: Dominant in Upstate NY rental markets and single-family rental portfolios across the state.
Loan Amount Range: $75,000 to $2,500,000 (Per Asset)
Loan Types: 30-Year DSCR, Vacation Rentals, Blanket Loans
Phone Number: (888) 521-0353
Email: loans@visiolending.com
Website: visiolending.com
25. Stratton Equities Stratton Equities is a leading national direct hard money and NON-QM lender, renowned for having a massive array of specialized loan programs that cater to diverse investor needs.
Presence in New York: Extremely high transaction volume across New York state for both residential and commercial investments.
Loan Amount Range: $100,000 to $5,000,000
Loan Types: Fix & Flip, Soft Money, Foreclosure Bailout
Phone Number: (800) 962-6613
Email: leads@strattonequities.com
Website: strattonequities.com
26. Ready Capital Ready Capital is a multi-strategy real estate finance company that originates, acquires, and manages commercial mortgage loans. They are highly active in transitional bridge and small balance commercial loans.
Presence in New York: Nationwide operator with heavy commercial originations across the New York metropolitan statistical area.
Loan Amount Range: $1,000,000 to $40,000,000
Loan Types: Commercial Bridge, Freddie Mac Small Balance, Multi-Family
Phone Number: (800) 453-3548
Email: contact through web portal
Website: readycapital.com
Why is hard money so common in the New York real estate market?
New York's real estate market is hyper-competitive and heavily skewed toward aging multi-family housing and distressed commercial assets. Traditional banks take 45 to 60 days to close and frequently deny loans for properties requiring heavy renovations. Direct hard money lenders in New York evaluate the future potential (ARV) of the asset and can fund deals in a matter of days, allowing investors to compete with all-cash buyers.
Does New York's judicial foreclosure process affect hard money loans?
Yes. Because New York is a judicial foreclosure state, it can take lenders well over a year to repossess a property if a borrower defaults. Consequently, many direct hard money lenders in New York require slightly higher down payments, emphasize borrower experience, and may strictly lend to LLCs or corporate entities rather than individuals to mitigate risk.
Can I get a DSCR loan in New York for an Airbnb or short-term rental?
Yes, but location matters. While DSCR lenders eagerly fund Upstate New York, Long Island, and Hudson Valley vacation rentals, investors must be cautious in New York City due to strict local laws regarding short-term rentals (Local Law 18). Lenders will heavily scrutinize the legality and verifiable cash flow of short-term rentals in the 5 boroughs.
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