Direct Private Lender · All 50 States

Fund Smarter. Close Faster.

Novo Capital is a direct private lender built for serious real estate investors. Fast approvals, flexible terms, and a team that understands your deal.

$500M+Funded
48-HourApprovals
$100K–$10MLoan Range
All 50States

Loan Programs

Capital for every strategy.

DSCR Loans

Qualify on cash flow, not your tax returns.

LTVUp to 80%
Rates From7.25%
Close Time14–21 Days
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Hard Money

Asset-based lending for time-sensitive acquisitions.

LTVUp to 75%
Rates From9.99%
Close Time5–10 Days
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Fix & Flip

Acquisition and rehab financing in a single loan.

LTCUp to 90%
Rates From10.49%
Close Time7–14 Days
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Why Novo Capital

The lender serious investors come back to.

We've funded thousands of deals across every market cycle. When your window is closing, Novo Capital is the call that gets it done.

No minimum credit score requirements
Close in as few as 5 business days
No prepayment penalties on most programs
In-house underwriting — no third-party delays

Investor Stories

Trusted by investors nationwide.

Novo Capital closed our bridge loan in 6 days. No other lender came close. We've done 12 deals with them since.

Marcus T.

Fix & Flip Investor — Atlanta, GA

The DSCR program let us scale our rental portfolio without touching our personal income docs. Game changer.

Priya S.

Buy & Hold Investor — Phoenix, AZ

I've worked with a dozen lenders. Novo's team actually understands deals. They're a true capital partner.

Derek W.

Commercial Investor — Dallas, TX

Ready to Fund Your Next Deal?

Tell us about your project and get a term sheet in 24 hours.

Novo Capital

Novo Capital is a direct private lender specializing in DSCR, hard money, and fix & flip financing for real estate investors nationwide.

© 2026 Novo Capital. All rights reserved.

Novo Capital is a private lender. Loans are for business and investment purposes only and are not consumer loans. All loans are subject to credit approval. Terms and conditions apply. This is not an offer to lend.