At MJI Capital, we understand that every real estate investment is unique — and so is the financing it requires. That’s why we’ve built a nationwide reputation as one of the country’s best alternative lenders, offering diverse loan programs for real estate investors designed to fund your next opportunity quickly and efficiently. Whether you’re flipping homes, purchasing rental properties, or bridging the gap to long-term financing, MJI Capital delivers flexible, reliable funding with lightning-fast approvals and closings.

Our process is built for speed. With our simple online loan application, you can submit all the required information in minutes, get pre-qualified fast, and move forward with confidence. Once approved, many of our borrowers receive funding in as little as 48 hours. Backed by more than $2.1 billion in completed loans, MJI Capital is trusted by investors across all 50 states to provide creative, dependable funding solutions that fit their goals.

In real estate, timing is everything. When a great opportunity arises, you need access to capital right away — not weeks from now. Our hard money loans are built for speed and simplicity, offering quick approvals and flexible underwriting that focuses on the asset’s value rather than traditional income verification.

Hard money loans are ideal for investors who need short-term financing to purchase, renovate, or refinance a property quickly. Whether you’re facing a tight closing window, working with a unique property type, or simply prefer a streamlined approach, MJI Capital’s hard money programs are the solution. We specialize in helping investors move fast, close confidently, and unlock equity without unnecessary red tape.

Our bridge loan programs are designed for investors who need temporary funding while transitioning between properties or securing permanent financing. These loans “bridge the gap,” providing immediate liquidity so you can act on new opportunities without waiting for an existing sale to close.

MJI Capital’s bridge loans are ideal for developers, investors, and business owners seeking fast access to capital with flexible terms. Whether you’re repositioning a property, acquiring a new one, or managing multiple transactions at once, our bridge financing provides the breathing room you need to keep deals moving forward.

For investors building a portfolio of income-producing properties, our DSCR loans offer an efficient way to qualify based on property cash flow rather than personal income. By focusing on the property’s Debt Service Coverage Ratio (DSCR), we make it easier to scale your portfolio and invest strategically — even if you own multiple properties or have a complex financial structure.

MJI Capital’s DSCR loan programs are available nationwide and can be used for single-family homes, multifamily properties, and short-term rentals. With competitive rates, flexible loan terms, and streamlined documentation, we make it possible for investors to grow their holdings with less friction and faster closings.

MJI Capital’s fix and flip loans are specifically crafted for investors who buy, renovate, and resell properties for profit. We provide the capital you need for both acquisition and renovation, helping you maximize returns and complete projects on time.

Our experienced team understands the challenges of managing renovation timelines and budgets. That’s why our fix and flip loans are structured with draw schedules that align with your project milestones, giving you the flexibility and control you need to stay on track. Whether you’re a seasoned investor or launching your first project, MJI Capital offers the expertise and funding to bring your vision to life.

Beyond real estate, MJI Capital also provides business funding options tailored to entrepreneurs across industries. From working capital loans and equipment financing to cash flow solutions and credit lines, we help business owners secure the funds they need to grow and thrive.

Our business loan programs are built around flexibility and accessibility, making it easy to find a solution that fits your unique goals. Whether you’re expanding operations, purchasing inventory, or investing in a new opportunity, MJI Capital is your trusted funding partner.