Every lending program, with amounts, terms and requirements

Real estate programs in Florida

Real estate programs run from $50,000 to $5,000,000 on collateral anywhere in Florida. The borrower is an LLC or corporation and the property is never owner-occupied. Fix and flip loans run 12 to 24 months, interest only, at up to 90% of purchase and 100% of renovation, with renovation funds released in draws after inspection. Closing typically takes 48 hours to 14 business days after a complete file.

DSCR rental loans qualify on the property's rental cash flow, with no tax returns. Ground-up construction serves entities building on Florida land. Across the three programs, what is required stays constant: a business entity as borrower, a Florida property that is not the owner's residence, and a complete file for underwriting. The legal address of the firm in Bal Harbour is the site of business, not of the collateral.

• Fix and flip: 12 to 24 months, interest only, up to 90% of purchase and 100% of renovation
• DSCR rental: qualification on rental cash flow, no tax returns
• Ground-up construction: for business entities building in Florida
• Closing typically 48 hours to 14 business days after a complete file

Aviation: business aircraft

Reissers Capital finances business aircraft for entities within the firm range of $50,000 to $50,000,000. The asset is underwritten first. On this program there is no FICO minimum and no personal guarantee, subject to supporting documentation and to underwriting approval. Foreign nationals are welcome through a US entity, and no US credit history is required on asset-based programs.

What is required is a business entity as borrower, the supporting documentation on the aircraft and its use, and a file complete enough for underwriting. The consultation involves a soft credit pull only, which never affects a score. Every aviation loan is subject to underwriting and approval, and the preliminary term sheet is non-binding.

Marine: yachts and vessels

Yachts and vessels are financed on the same basis as aircraft: the asset is underwritten first, the borrower is an LLC or corporation, and the loan sits within the firm range of $50,000 to $50,000,000. There is no FICO minimum and no personal guarantee, subject to supporting documentation and to underwriting approval.

Foreign owners structure the purchase through a US entity; no US credit history is required on asset-based programs. The file needs supporting documentation on the vessel and on the entity. As with every program, the term sheet is preliminary and non-binding, and nothing is a commitment to lend before underwriting and approval.

The process, from consultation to closing

The process opens with a consultation, booked at cal.com/reisserscapital/30min or through the site form. During business hours, Monday to Friday, 9:00 to 18:00 Eastern, the consultation leads to a preliminary term sheet in one hour. That term sheet is preliminary and non-binding. It sets the frame for underwriting; it is not a commitment to lend.

Underwriting then reviews the complete file. Credit decisions involve the firm's capital partners, who bring $600M+ in aggregate lending capacity. On real estate, closing typically follows 48 hours to 14 business days after the file is complete. The team works in English, French, Spanish and Arabic at every step.

• Consultation: soft credit pull only
• Preliminary term sheet in one hour during business hours, non-binding
• Underwriting with capital partners on a complete file
• Closing: typically 48 hours to 14 business days on real estate

Fees and credit

Reissers Capital charges no upfront fees to applicants, ever. There is nothing to pay to receive a consultation or a preliminary term sheet. At the consultation stage the firm runs a soft credit pull only, which never affects a score. On aviation and marine there is no FICO minimum, subject to supporting documentation and to underwriting approval.

Foreign nationals are welcome through a US entity, and no US credit history is required on asset-based programs. On DSCR rental, qualification rests on the property's rental cash flow, without tax returns. Every loan remains subject to underwriting and approval, and credit decisions involve the firm's capital partners.