GROUPCAPITAL

FINANCIAL SERVICES, INC. · Private Lending
80 STATE STREET, ALBANY, NY 12207 (518) 512-1705

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 7–15 days $50K – $30M+ Custom terms

Our Loan Programs

Bridge

Short‑term financing for acquisition or renovation. Fast closing, interest‑only.
Learn more →

Fix & Flip

Residential & mixed‑use rehab financing with draw schedules.
Learn more →

Commercial

Office, retail, industrial, hospitality – flexible terms.
Learn more →

Residential

Primary, second homes, investment properties. Non‑QM options.
Learn more →

Why GROUPCAPITAL

Speed

Close in as little as 7 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 days.

Ready to move forward?

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

(518) 512-1705 · groupcapitaservinc@gmail.com

Apply now

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 Eaposito
Fix & Flip Specialist
Jason Toscano
Residential & Bridge

groupcapitaservinc@gmail.com · (518) 512-1705

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$500K – $20M
  • Term6 – 36 months
  • LTVUp to 75%
  • Interest RateFrom 6%
  • Points1 – 2
  • PrepaymentFlexible, may apply
Eligibility: Commercial, mixed‑use, multi‑family properties. Minimum credit 650+. Quick close in 10‑15 days.

Typical Use Cases

  • Acquisition of value‑add properties
  • Refinance before permanent debt
  • Renovation bridge

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 – $5M
  • Term6 – 24 months
  • ARV LTVUp to 75%
  • Interest Rate7% – 9%
  • Points2 – 4
  • Rehab DrawsYes, based on milestones
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

Commercial Loans

Commercial property

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

  • Loan Amount$500K – $15M
  • Term6 – 25 years
  • LTVUp to 75%
  • Interest RateFrom 7%
  • Points1 – 3
  • AmortizationFlexible, balloon options
Eligibility: Stabilized or value‑add commercial. DSCR ≥ 1.25. 680+ credit.

Typical Use Cases

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

Residential Loans

Residential property

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

  • Loan Amount$50K – $3M
  • Term6 – 25 years
  • LTVUp to 80%
  • Interest RateFrom 6.5%
  • Points1 – 2
  • DocumentationFull doc, bank statements, or DSCR
Eligibility: 1‑4 unit residential. 620+ credit, alternative income accepted.

Typical Use Cases

  • Primary home purchase
  • Investment property acquisition
  • Refinance for debt consolidation

Construction & Multi‑Family

Construction site

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

  • Amount$1M – $25M
  • Term12 – 36 months (construction) / 6‑25 years (multi‑family)
  • LTC / LTVUp to 90% LTC (construction) / 80% LTV (multi‑family)
  • RateFrom 7%
  • Points3 – 5 (construction) / 1‑3 (multi‑family)
  • Interest‑onlyDuring construction phase
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

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

Contact Us

Address: 80 State Street, Albany, NY 12207

Email: groupcapitaservinc@gmail.com

Phone: (518) 512-1705

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

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

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

Google Maps placeholder

Send a Message

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

(518) 512-1705 · groupcapitaservinc@gmail.com

Start Your Application