Frequently Asked Questions

Browse our helpful list of frequently asked questions and if you can’t find the answer you are looking for feel free to call us at, 888-879-8713.

Stronghill Capital

Stronghill is a direct specialty lender that provides financing by accessing equity in commercial or non-homestead residential real estate for business or landlord purposes.
Because we are not a residential mortgage company, Stronghill does not lend on homesteads or owner-occupied residential property. Additionally, our loans cannot be used for personal, family, or household purposes, and we do not make new construction loans.
Stronghill has been lending to real estate investors since 2007. We offer flexibility, speed, and ease in the loan process. We are back by A+ rating by the BBB (Better Business Bureau).
Stronghills’s clients enjoy having fewer hoops to jump through, fast closes, flexible loan terms, and competitive rates.

General Lending

We try to make the borrowing process quick and easy. First, we take your application over the phone and can generally provide you with a pre-approval during your very first call. Once we receive your supporting documentation, our underwriters quickly review it and approve a funding amount. We then have the loan documents generated and you will later close the loan at a local title company or with a mobile notary that we will send to you. The process can be completed in as little as a week, but typically takes 2-3 weeks.
Stronghill Capitals’s business is to serve those who cannot or will not do business with banks. We are happy to work with those that have urgent money needs, have imperfect credit, are self-employed, have filed for bankruptcy, are in receivership, etc. Banks are a traditional lending source with attractive rates, but usually have more restrictions on their borrowers. Because of those restrictions, many of our clients prefer to work with a direct specialty lender.
Like Stronghill, hard money lending is an alternative to traditional financing sources, but usually has more specific guidelines for their loans. While Stronghill Capital specializes in loans with a repayment term of 1 year or more, hard money lenders frequently require a shorter repayment schedule and a higher credit score. If a shorter repayment schedule is of interest, we would be glad to connect you with one of our reputable hard money lending partners.


No. Many of our clients are casual real estate investors or business owners who own real estate.
Eligible commercial and investment properties include, but are not limited to:
  • Rental Homes
  • Office Buildings
  • Warehouses
  • Apartment Complexes
  • Commercial Centers
  • Hotels
  • Condominium Complexes
  • Restaurants
  • Development Tracts
  • Ground Leases
That’s OK. If you can prove your ability to pay for the loan each month, you are eligible. Many of our clients have inconsistent income or are self-employed, which are frowned upon by traditional lenders, but not by Stronghill Capital.
We’re glad to say that we have never rejected a loan request due to credit score alone. While credit may play a role in determining exactly how much can be borrowed, or at what rates, we’ll find a solution for you no matter your credit score.
Stronghill Capital will lend to those in bankruptcy or receivership with permission from the trustee or the court. We can pay off the creditors to facilitate a bankruptcy discharge, leaving our loan as the only remaining debt.
Apply and find out! We will lend to individuals, LLCs, partnerships or corporations. If your property is not a homestead, and there are no other liens on it, or if we can roll current liens into ours, there is a good chance we will lend to you. And because we are open to all credit scores, employment challenges, citizenship issues, bankruptcy and receivership cases, and to those tight on cash, we’re happy to work with most everyone.
Because Stonghill Capital is in business to serve those not working with traditional lending institutions, our “typical borrower” is usually a person or business having trouble finding a bank or mortgage company to meet their needs. Also, our “typical borrower” owns their commercial property or non-homestead residential property free and clear. Lastly, they highly value having fewer hoops, faster closes, and more flexible terms.
Loan proceeds can be used for almost any business or rental property need. For example, a real estate investor may want to fund improvements on current properties or build their portfolio through buying other properties. Or a business owner may want to fund facility improvements, meet working capital needs, smooth seasonal cash flow, buy inventory, or pay general business expenses.
We offer loans between $50,000 and $2,500,000 with the maximum Loan To Value of 70% of the “as-is” value. The final amount borrowed will be determined by your specific situation after talking with a loan officer.
Stronghill Capital is happy to pay off any existing liens or loans and roll them into ours, but our loan must be the first lien on the property.

Loan Process

No! No fees are charged for applying. As with any lender there are closing costs, but there are no application fees.
Typically, the only out of pocket fee incurred is the cost of the appraisal. All other closing costs can be rolled into the loan.
Closing fees vary by loan and Hunter-Kelsey works hard to minimize costs to the borrower. Please talk with us about your particular situation and we can give you a better idea of expected closing fees.
The entire process usually takes only 2-3 weeks, and in some cases we’ve gotten it done in one! Usually, the biggest speed hurdle is getting the appraisal. If you already have an appraisal that our underwriters accept, that will expedite the process! We also have a streamline option that quickly gets you funding before the appraisal is complete.
Yes. We typically require a full appraisal from a licensed real estate appraiser, but will accept “restricted appraisals” from a licensed appraiser for loans under $250,000.
Yes. Many of our clients refinance their loans as they approach maturity, and our active real estate investors frequently refinance their loans as they buy and sell properties.
Call us now! Or submit your contact information on our contact us page.
We don’t need any documentation to get started on the phone! As we proceed though, you will need to get an appraisal if you don’t already have a recent one to use. We also typically require your most recent financial statements and proof of property insurance. That’s probably all!
Yes. We require a mortgagee title policy for the amount of the loan, not the amount of the appraised value, and the premium can be rolled into the loan. Often, borrowers have a title company with which they prefer to work, but we have a number of title companies that we regularly work with if the borrower does not have a preference.

Loan Terms

Our interest rates vary based on the property and individual’s circumstances. They are typically between 9.9% and 15.9%.
Monthly payments will vary based on several factors including the amount borrowed, interest rate, and amortization schedule. Your exact payments will be calculated and explained by your loan officer.
This will be determined by you and the details of your loan after consulting with a loan officer, but payback periods are generally 1-5 years with the ability to refinance after that.
This will be determined by you after consulting with a loan officer and considering all factors of the loan.
Borrowers can access up to 70% of their properties’ as-is values depending on several factors determined during the application process. Our maximum LTV on unimproved land is 50%.
Borrowers can access up to 70% of their properties’ as-is values depending on several factors determined during the application process. Our maximum LTV on unimproved land is 50%.

Loan Servicing

Loan Servicing contact information:

Stronghill servicing # 855-490-6669
Stronghill servicing fax number # 512 482-8737
Stronghill servicing email:
Stronghill Capital is proud to say that we service all of our own loans and that the borrower will know exactly who they’re dealing with and who to contact with questions or service needs.
Most of our clients pay by ACH (direct debit) each month. We also accept checks, debit cards, credit cards, and money orders.
You should contact us immediately if you are unable to make your payments, as we will try to work with you. If you do not pay for an extended period however, we may be required to send your loan to a law firm for review and collection and possible foreclosure.