...by Local Real Estate Experts
What We Offer
FIX & FLIP / REHAB
100% of Cost - Purchase & Rehab
70% of ARV
Close fast as 3-5 Days
6 Month Term (built-in extensions)
2 Year Interest-Only
5 Year Fixed (amortized for 30)
100% of Cost
75% of ARV
Close in 3-5 Days
6-12 Month Terms
SFR, 2-4 Unit, Multi-Family
Just getting started?
Want to learn on the fly?
Need some expertise & capital?
...We've got you covered
We close in 3-5 days (as little as 24 hours).
We have boots on the ground everywhere we lend.
We are the LENDER
You deal directly with the decision maker, and the same dedicated, expert, staff loan after loan.
Compete with Cash Buyers
Our borrowers are provided with "Verification of Funds to Close," not a "Pre-Approval Letter."
We'll earn your trust though our straightforward, transparent lending process.
Simple & Hassle-Free Process
Our Standard Loan Product requirements consist of 2 months' bank statements and a 650 credit score.
Taking care of our borrowers needs, and providing excellent customer service, is the foundation of our success. Our borrowers' needs come first.
We get to know our borrowers - you will see that our business is built on repeat business, and you'll understand why.
Contact us today...
Make your next offer with Verification of Funds to Close!
Southeast Private Capital ("SEPC") is a direct private mortgage lender and project funding organization, headquartered in Birmingham, AL, specializing in short-term acquisition, rehab, construction, and investment property loans for commercial and residential real estate.
With capabilities far exceeding that of banks and traditional lenders, SEPC's 'lend what we know' approach aligns with the expertise of its founder, Chris Williams, J.D., a mortgage lender, builder, developer, and project funding specialist, with 20 years of local market expertise.
Focused on providing funding for localized real estate investors, rehabbers, and builders, SEPC's relationship-oriented approach, and 'hands-on' operations, makes borrowers a partner in the process of determining capital needs for each loan request, based on their exit strategy.
SEPC's nimble operations, and 'boots on the ground' due diligence, gives borrowers the ability to close - financing up to 100% of cost - in the same time-frame as cash transactions (3-5 days, and quickly as 24 hours); this also ensures borrowers receive construction/rehab draw funding within 48-72 hours, making borrowers' project capital go much farther and maximizing their ROI.
Putting borrowers in the best position to succeed; building long-term relationships for repetitive deal-flow; providing a simple, transparent process where borrowers know exactly what to expect deal after deal; and being a valuable source of expertise, over and above being a reliable source of capital, are SEPC's primary objectives.