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Your full application — including the conversational form, document uploads, and lender matching — lives in your secure Caplli borrower portal. Create an account or sign in to get started.
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What you'll need
Initial application is short — about 5 minutes. Full underwriting documents can be uploaded over the following days in your portal.
- Basic property and deal details (address, type, purchase price or value)
- Loan request — amount, purpose, and preferred structure
- Sponsor / borrower information (entity, ownership, experience)
- Recent financials — last 2 years tax returns + most recent T-12 if available
Don't have everything ready? Start the application anyway — you can save and continue later inside the portal.
What happens next
- 1
Apply online
A brief application — property, sponsor, capital request. About five minutes.
- 2
Due diligence
A consultant calls you, then we build the financial profile from your documents — DSCR, LTV and cash flow verified and packaged into an underwriting-ready file.
- 3
Smart matching
Your deal goes to the lenders with active appetite for it. We negotiate, then bring you offers to compare side by side.
- 4
Get funded
You pick the term sheet. Bridge closes in 5–15 days; CRE and SBA in 30–90.
Before you apply — common questions
Does applying affect my credit score?
Not at this stage. We work from a soft pull while we are shaping the deal. A hard pull only happens once you choose a term sheet and a lender moves to underwrite.
What does it cost to apply?
Getting a quote is free. Once you decide to go ahead, a consultant calls you to begin the initial due diligence, and that stage carries a $500 fee — refunded in full if we cannot get you terms.
What documents do I need to start?
Less than you would expect for the first step. The initial application is property or business details, the capital request and sponsor information — about five minutes. Financials, rent rolls and tax returns come during diligence, and we tell you exactly which ones.
How long does the whole process take?
Diligence is typically 2–4 days. After that, bridge and private money close in 5–15 business days; conventional CRE and SBA run 30–90, depending on appraisal, environmental and the lender's committee.
What if my deal does not fit a bank?
It often still fits something. Thin cash flow, a short operating history or a sub-650 credit file pushes a deal towards asset-based and private capital, where the asset carries more of the decision. Tell us the situation and we will be straight about what is achievable.
Ready to start?
Your full application takes ~5 minutes. No credit hit, no obligation.