Direct Lending

Pepe/Berard Capital, LLC specializes in providing bridge and flexible financing (“Hard Money”) as an alternative to traditional bank lending. This type of transitional financing meets the needs of a variety of real estate operators and investors. Our principals have over 30 years of private mortgage lending experience and have established many relationships with a vast network of investors. Pepe/Berard Capital will continue to service the loans post-funding so the process continues as seamlessly as possible until maturity.

Financing Guidelines
Loan Amounts $100,000 up to $3,000,000 (higher amounts on a case by case basis)
Collateral Position First lien positions, cross collateralizations and second lien positions as additional collateral only
Geography New York Metropolitan Area
Property Types Most Commercial and Investment Residential Real Estate
Loan Term 6 to 24 months
Interest Rates Starting at 10%, Interest Only
Loan-to Value Up to 65% loan-to-value
Origination Fee 3% to 5%
Closing As quickly as 2 weeks