GROUPCAPITAL

FINANCIAL SERVICES, INC. · Private Lending
80 STATE STREET, ALBANY, NY 12207 Call/Text: (518) 512-1705 +1 (347) 450-6861

Your Trusted Private Lending Partner

Fast, flexible financing for commercial & residential real estate. Bridge, fix‑and‑flip, construction, and more — when traditional lenders can’t deliver.

Close in 7–10 business days $100K – $20M 85% – 100% LTV

Our Loan Programs

Bridge

Short‑term acquisition & renovation financing.
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Fix & Flip

Residential & mixed‑use rehab with draws.
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Commercial

Office, retail, industrial, hospitality.
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Residential

Primary, second homes, investment.
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Construction & Multi‑Family

Ground‑up, major renovation, portfolio.
Learn more

Personal Loans

Unsecured loans for various needs.
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Debt Consolidation / LOC

Consolidate debt or get a line of credit.
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Business Capital

Funding for business expansion, equipment, etc.
Learn more

Why GROUPCAPITAL

Speed

Close in as little as 7–10 business days – we move fast to secure your deal.

Flexibility

Customized loan structures tailored to your project’s unique needs.

Expertise

Decades of combined experience in private lending and real estate.

Transparency

No hidden fees, clear terms, and honest communication throughout.

Our Process

1

Inquiry

Call or email us – we’ll discuss your project and goals.

2

Underwriting

We review your property, financials, and timeline.

3

Approval

Get a term sheet in 24‑48 hours, with clear conditions.

4

Close & Fund

Sign documents and receive funds – often within 10 business days.

Ready to move forward?

Talk to a loan officer today. Fast, transparent, and tailored to your project.

(518) 512-1705 · groupcapservices@gmail.com · Admin@groupcapfininc.com · +1 (347) 450-6861

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About GROUPCAPITAL

GROUPCAPITAL FINANCIAL SERVICES, INC. has been a trusted name in private lending since our founding. We specialize in providing creative financing solutions for real estate projects that don't fit traditional lending criteria.

Our team of experienced professionals understands the unique challenges faced by real estate investors and developers. We take pride in our ability to structure deals that work for all parties, delivering results when others can't.

Our Mission: “To provide innovative, reliable, and flexible financing solutions that empower real estate professionals to achieve their investment goals while building lasting partnerships based on trust and mutual success.”

Located at 80 State Street, Albany, NY, we serve clients across the Northeast and beyond.

Commercial building

Our Loan Officers

Gabriel Alfonso
Senior Loan Officer
Mark DeLuca
Commercial Lending
Adams Esposito
Fix & Flip Specialist
Jason Toscano
Residential & Bridge

groupcapservices@gmail.com · Admin@groupcapfininc.com · (518) 512-1705

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Bridge Loans

Bridge loan

Short‑term financing to “bridge” the gap between acquisition and permanent financing, or to fund renovations and stabilize a property.

  • Loan Amount$100K – $20M
  • Term6 months – 25 years
  • LTV85% – 100%
  • Interest Rate7% – 9%
  • PrepaymentNone
Eligibility: Commercial, mixed‑use, multi‑family properties. Minimum credit 650+. Quick close in 7‑10 business days.

Typical Use Cases

  • Acquisition of value‑add properties
  • Refinance before permanent debt
  • Renovation bridge
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Fix & Flip Loans

Fix and flip

Financing for residential and mixed‑use investment properties that need rehabilitation. Funds cover purchase and renovation costs.

  • Loan Amount$100K – $20M
  • Term6 months – 25 years
  • LTV85% – 100%
  • Interest Rate7% – 9%
  • PrepaymentNone
Eligibility: 1‑4 unit residential, small multi‑family. 680+ credit preferred, experience required.

Typical Use Cases

  • Flipping single‑family homes
  • Small apartment rehab
  • Mixed‑use property renovation
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Commercial Loans

Commercial property

Permanent or bridge financing for office, retail, industrial, hospitality, and special‑use properties.

  • Loan Amount$100K – $20M
  • Term6 months – 25 years
  • LTV85% – 100%
  • Interest Rate7% – 9%
  • PrepaymentNone
Eligibility: Stabilized or value‑add commercial. DSCR ≥ 1.25. 680+ credit.

Typical Use Cases

  • Office building acquisition
  • Retail center refinance
  • Industrial warehouse purchase
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Residential Loans

Residential property

Financing for primary residences, second homes, and investment properties. Non‑QM and bank‑statement programs available.

  • Loan Amount$100K – $20M
  • Term6 months – 25 years
  • LTV85% – 100%
  • Interest Rate7% – 9%
  • PrepaymentNone
Eligibility: 1‑4 unit residential. 620+ credit, alternative income accepted.

Typical Use Cases

  • Primary home purchase
  • Investment property acquisition
  • Refinance for debt consolidation
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Construction & Multi‑Family

Construction site

Ground‑up construction, major renovation, and multi‑family portfolio financing.

  • Loan Amount$100K – $20M
  • Term6 months – 25 years
  • LTV85% – 100%
  • Interest Rate7% – 9%
  • PrepaymentNone
Eligibility: Commercial, multi‑family, mixed‑use. 680+ credit, detailed plans required for construction.

Typical Use Cases

  • Ground‑up apartment building
  • Major renovation of existing structure
  • Multi‑family portfolio acquisition
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Personal Loans

Personal loans

Unsecured personal loans for a variety of needs – from debt consolidation to home improvements, medical expenses, or major purchases.

  • Loan Amount$100K – $20M
  • Term6 months – 25 years
  • LTVN/A (unsecured)
  • Interest Rate7% – 9%
  • PrepaymentNone
Eligibility: Good credit history (680+), stable income. Fast approval and funding.

Typical Use Cases

  • Debt consolidation
  • Home renovation
  • Medical or emergency expenses
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Debt Consolidation / Line of Credit

Debt consolidation

Consolidate high‑interest debts into one manageable loan, or secure a revolving line of credit for ongoing flexibility.

  • Loan Amount$100K – $20M
  • Term6 months – 25 years
  • LTVUp to 100% (secured) / unsecured available
  • Interest Rate7% – 9%
  • PrepaymentNone
Eligibility: 650+ credit, acceptable debt‑to‑income ratio. Collateral may be required for higher amounts.

Typical Use Cases

  • Credit card debt consolidation
  • Business working capital line
  • Real estate bridge for new purchases
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Business Capital

Business capital

Funding for business expansion, equipment purchase, inventory, or operational expenses. Flexible terms to match your cash flow.

  • Loan Amount$100K – $20M
  • Term6 months – 25 years
  • LTVUp to 100% (secured) / unsecured options
  • Interest Rate7% – 9%
  • PrepaymentNone
Eligibility: 2+ years in business, revenue history, 680+ credit. Collateral may be required.

Typical Use Cases

  • Business expansion
  • Equipment acquisition
  • Working capital for seasonal needs
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Brokers & Partners

GROUPCAPITAL values our relationships with mortgage brokers and business partners. We offer competitive compensation and a seamless experience for you and your clients.

Why Partner With Us?

Competitive Commission

Earn up to 2% on referred loans. Generous splits for high‑volume partners.

Fast Turnaround

We close in 7‑10 business days – your clients get funded quickly.

Dedicated Support

You’ll have a personal broker relations manager to assist with every deal.

Wide Product Range

Bridge, fix‑and‑flip, commercial, residential, personal, business – we have it all.

Flexible Underwriting

We look at the whole picture – not just credit scores. We say “yes” more often.

Real‑Time Updates

We keep you informed at every stage, from application to funding.

Our Partner Loan Officers

Gabriel Alfonso
Senior Broker Relations
Mark DeLuca
Commercial & Business Lending
Adams Esposito
Fix & Flip / Residential
Jason Toscano
Bridge & Construction

Ready to become a partner?

Contact our broker relations team today to set up your account and start submitting deals.

Admin@groupcapfininc.com · (518) 512-1705

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Client Success Stories

“GROUPCAPITAL closed our bridge loan in 11 days — we were able to secure a prime commercial property before the competition even finished underwriting.”
— R. Martinez, Brooklyn
$4.2M commercial bridge
“The fix‑and‑flip team understood our rehab scope and funded draws without delays. We flipped 3 units in 10 months with a 34% ROI.”
— A. & D. Chen, Queens
$1.8M fix‑and‑flip portfolio
“We needed construction financing for a 12‑unit mixed‑use project. GROUPCAPITAL structured a flexible loan with interest‑only during build. Highly recommend.”
— S. Kapoor, Albany
$5.6M construction loan
“Refinanced our retail center with GROUPCAPITAL when banks said no. They provided a competitive rate and closed in 14 days.”
— M. Torres, White Plains
$3.2M commercial refinance
“As a first‑time flipper, I was nervous. The team guided me through every step. I sold the property for 22% over ARV.”
— J. Lee, Staten Island
$450K fix‑and‑flip
“Multi‑family portfolio refinance was seamless. They understood our cash flow and offered a 7‑year fixed rate.”
— P. Kumar, Jersey City
$8.5M multi‑family
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Contact Us

Address: 80 State Street, Albany, NY 12207

Email: groupcapservices@gmail.com · Admin@groupcapfininc.com

Phone: Call/Text: (518) 512-1705

Business Hours: Monday – Friday, 9:00 AM – 6:00 PM

Loan Officers: Gabriel Alfonso, Mark DeLuca, Adams Esposito, Jason Toscano

We look forward to helping you achieve your real estate investment goals.

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Send a Message

Reach out via email or phone, or fill out our quick application form online.

(518) 512-1705 · groupcapservices@gmail.com · Admin@groupcapfininc.com · +1 (347) 450-6861

Start Your Application