BRONZE LENDER
Black Label Capital is a true hybrid lender. In 2018, BLC was formed so we could lend our own funds on the side while we were doing fix and flips. It was not a business for us. We quickly realized our passion for lending and turned it into what it is today. To this day, we still lend our own personal capital alongside our investors. This is a rare thing for most “hard money lenders”. Since we personally have something to lose in every deal, this ensures that we are not just funding loans to fund loans. We fund real opportunities and deals we believe in. Would you put your money into a deal if you didn’t believe in it?
We are investors at our core. With a background in fix and flips, we understand your needs. We’ve crafted our credit boxes to provide you with every loan product you could need, from renovation loans, to new construction and 30 year rentals to help you build your portfolio as you navigate the BRRRR process. There’s literally no other reason to shop the competition. We are the only lender to offer both down payment options and 100% financing for renovation and new construction loans. Whether you want to keep cash in your pocket or throw some money into the deal, we’ve got you covered. You tell us your needs, and we’ll provide a custom option designed specifically for you.
A “true lending partner” is not just a catch phrase. It’s how we operate. Partner with us and let’s grow together.
Black Label Capital funds renovation and construction through construction holdbacks, which are always reimbursements. The borrower floats a portion of the work, then orders a draw inspection. Black Label sends a physical inspector to the project, the inspector submits a report, and the lender wires the funds.
There is no published per-draw turnaround, and the company deliberately avoids promising a fixed timeline; it says it can fund as soon as it has a property valuation, clear title, and the borrower’s required documents.
On overall speed, Black Label frames closings as days rather than weeks, though it notes its 30-year rental loans average around 30 days because they wait on an appraisal. Investors running tight rehab schedules should confirm draw inspection timing directly, since Black Label publishes the process but not the turnaround.
Black Label Capital is a veteran-owned, Dallas-based private lender offering fix and flip, new construction, bridge, 30-year rental, and transactional funding nationwide, with leverage that scales to investor experience.
• Fix and flip (rehab): LTC up to 90% for experienced investors (three or more deals), 85% for one to two deals, or 20% down for first-timers, plus 100% of construction funds and up to 75% of ARV.
• New construction: LTC up to 90% for experienced builders (five or more deals) or 85% for three to four, plus 100% of construction funds and up to 75% of completed value.
• 100% financing option: 100% of purchase and 100% of construction funds, up to 75% of ARV (not offered nationwide).
• 30-year rental: up to 80% LTV on purchases and rate-and-term refinances, 75% on cash-out; bridge up to 70% LTV; transactional funding same-day.
Black Label Capital is a veteran-owned private lender based in Dallas, Texas, describing itself as a hybrid lender that funds loans from its own capital alongside investors. It offers fix and flip, new construction, bridge, and 30-year rental loans nationwide to real estate investors for real estate investment purposes. It is a member of the American Association of Private Lenders (AAPL).
