Business-Purpose Private Lending · FL & CO · NMLS #1324403
[email protected] (720) 422-1571
About Fix & Flip DSCR Rental Bridge & Bailout The Vault Submit a Deal →
(720) 422-1571
Business-purpose private lending · FL & CO

When banks say no,the asset tells
the story.

Summit Coast Capital funds real estate investment businesses in 5–7 days. All loans are made to business entities for investment and business purposes. No institutional red tape. No personal DTI. We underwrite the equity — not your credit file.

$28M+Funded
160+Deals closed
16 yrsExperience
5–7 daysTo close
Why Summit Coast
The lender that reads the deal,
not the file.

Sixteen years of foreclosure and sales experience taught us one thing: the equity is almost always there. Banks are trained to say no. We're trained to find the story.

🏦
Asset-based underwriting
We lend on what the property is worth — current value, after-repair value, equity position. Your entity's tax returns and personal debt load are irrelevant to our decision.
👤
Principal reviews every deal
No loan committee. No underwriting queue. Every submission is reviewed personally by the principal within 24 hours. You get a real answer from the decision-maker.
5–7 day closings are real
We're a direct lender using our own capital — no committee approvals, no brokered funds. We close when we say we will, every time.
⚖️
Business-purpose lending only. All loans originated by Summit Coast Capital are made exclusively to business entities (LLCs, corporations, partnerships, and similar) for business and investment purposes. We do not originate consumer loans or loans to individuals for personal, family, or household use. NMLS #1324403.
Loan programs
Three ways we can fund your deal

Every program is asset-based and available to qualifying business entities in Florida and Colorado.

Fix & Flip
Purchase & rehab funding
Short-term bridge capital for real estate investment entities acquiring and renovating properties. Underwritten on after-repair value — not current condition. LLCs and corporations welcome.
Purchase LTVUp to 90%
Rehab fundingUp to 100%
Term6–18 months
BorrowerBusiness entity required
Full program details →
DSCR Rental
Qualify on rent, not income
30-year fixed for real estate holding entities. Qualification based entirely on property cash flow — no personal income docs, no tax returns, no DTI. Ideal for portfolio LLCs.
Term30-year fixed
Qualified byProperty cash flow
Tax returnsNot required
BorrowerLLC / Corp welcome
Full program details →
Bridge & Bailout
Emergency business capital
Short-term bridge capital for real estate business entities in distressed situations — NED filings, matured hard money loans, or time-sensitive acquisitions. Business purpose only.
Closing speed5–7 business days
Credit scoreSub-650 considered
Reviewed byPrincipal directly
BorrowerBusiness entity required
Full program details →
Principal
SC
Samuel [Last Name]
Summit Coast Capital · FL & CO
Who you're dealing with

Every deal reviewed by
the principal. No committees.

With 16 years in real estate sales and foreclosure, Samuel founded Summit Coast Capital to serve the real estate investment businesses that banks are trained to reject. He's been on both sides of distressed transactions — as an agent, a lender, and an investor — and brings that forensic perspective to every deal.

When you call Summit Coast, you reach the decision-maker. No loan officer chain. No underwriting queue. You get a real answer within 24 hours of submission.

16 yrs real estate Foreclosure specialist FL & CO markets Direct capital
"While banks look for reasons to say no, we look for the story and the equity."
— Samuel, Principal, Summit Coast Capital
Client results
What our business borrowers say
★★★★★
"Samuel called back within an hour and our LLC closed in 6 days. No bank would touch this deal — he found the equity story we couldn't articulate ourselves."
MT
Marcus T.
Fix & Flip LLC · Tampa, FL
★★★★★
"Our investment LLC was 12 days from losing the asset. Summit Coast structured a business bridge that gave us time to refinance properly and keep the property."
DR
Diane R.
Bridge Loan · Real Estate LLC · Arvada, CO
★★★★★
"Our holding company has 11 rentals and every refi was a nightmare. The DSCR program changed everything — no personal docs, just the portfolio's cash flow."
KL
Kevin & Lori M.
DSCR · Real Estate LLC · St. Pete, FL
The Vault Protocol
See pre-foreclosure deals
14 days early.

Live NED and COP data in FL & CO — before it hits public records. Paired with the same Equity Gap tool the principal uses to fund deals.

  • Notice of Default filings within hours of recording
  • Certificate of Publication data — all FL & CO counties
  • Equity Gap calculator — model any deal in 60 seconds
  • Custom alerts filtered to your exact buy box
  • Priority deal submission channel to Summit Coast
$497
/ year
Limited seats — access intentionally capped to preserve the data edge.
Reserve Vault access →
Sample equity gap outputLive tool preview
Property1247 Bayview Dr, Clearwater FL
NED filed14 days ago (not yet public)
Est. market value$415,000
First mortgage balance$298,400
Arrears amount$14,200
Est. foreclosure costs$8,500
Total debt at liquidation$321,100
Equity gap available
After full payoff · fundable
$93,900
How it works
From submission to funded in 5–7 days

No committees. No queues. The principal reviews your deal within 24 hours.

1
Submit your scenario
Property address, loan amount, entity type. Takes 3 minutes.
2
24-hr forensic review
Principal pulls comps, models equity, reviews the deal. Real answer same business day.
3
Term sheet issued
Rates, LTV, draw schedule in writing. No obligation to proceed.
4
Funded & closed
Title, appraisal, docs run in parallel. Most entities fund in 5–7 business days.
24-hour forensic review
Submit your deal

Every submission is reviewed personally by the principal within one business day. Business entities only — all loans are for investment purposes.

  • No application fee to receive a term sheet
  • Personal review by the principal — not automated
  • Response within 24 business hours
  • LLC, Corp, and partnership borrowers welcome
  • Fix & Flip, DSCR, and Bridge programs available
  • Close in as few as 5 business days
Or reach the principal directly
Summit Coast Capital originates business-purpose loans only. All loans are to business entities for investment purposes. NMLS #1324403. Your information is confidential and never sold.