Capella Mortgage

Hard Money Lender $100k - $16M

Welcome to Capella Mortgage

Capella Mortgage has been making hard money loans since 2002.
Capella Mortgage still provides a strong volume of fix-and-flip loans, but over the past five years our primary focus has shifted toward larger, more complex commercial projects. We specialize in construction, acquisition and development, and financing for a wide range of commercial properties. Our funds have helped build apartment communities, housing developments, hotels, bars and restaurants, luxury residences, and other unique specialty properties.

The first question we always get is: “What’s the interest rate and how much does it cost?” Our honest answer: “It depends on your deal—tell us about it.”For a quick baseline, our loans typically carry 11–13% interest and a minimum of 3 points—no exceptions.From there, pricing reflects the complexity and risk:

Construction loans generally cost more.
Challenging or “hairy” deals that others won’t finance will be more.
Mid-construction loans will be more.
Broken priority, missing paperwork, or other complications will also be more.

Brokers Are Welcome and Protected

Just call us at 702-214-4700 and we will give you a quick yes or no.

What Types of Properties?

We provide loans to real estate investors on residential or commercial properties. We offer many different loan programs including land and construction loans.
If it’s a good deal, and you can’t find anyone willing to make the loan, call us at 702-214-4700

Where are we licensed?

Capella Mortgage primarily makes loans in the Southwest United States. We are also NMLS licensed in Nevada and Arizona, which require a license for all types of loans, as well as in Idaho, Texas, & Colorado.
– NMLS #372157, MB-0942970, Nevada License # 456

Commercial Construction Loans

Will lend up to $30M for construction loans.

Build with confidence. Our commercial construction loans are designed to support developers, investors, and business owners through every phase of the construction process — from land acquisition to ground-up development and major renovations.We offer:

Competitive rates and flexible terms
Financing based on project scope and timeline
Quick approvals and streamlined funding
Customized solutions for retail, office, industrial, and mixed-use projects

Whether you’re constructing a new facility or expanding an existing property, we provide the capital and expertise to help bring your vision to life.Let’s build something great — together.

LAND DEVELOPMENT

Will lend up to $10M in construction draws for tentative to final mapping.

Land development loans fund the purchase of raw land and its subsequent preparation for building or resale.
These loans cover expenses such as clearing, leveling, and installing roads, utilities (water, sewer, power), and other essential infrastructure. Capella Mortgage loves land development loans and will fund up the maximum amount possible.

Luxury Home Builds, Gas Stations and Unusual Properties

Think of an unusual property type and we have probably made a loan on it.

We provide:

Custom loan structures based on project scope and borrower experience
Tranche-based disbursements tied to construction milestones
Competitive interest rates and flexible terms
Fast approvals and dedicated loan support from start to finish

Whether you’re building a primary residence or a luxury spec home, we deliver the capital and flexibility to help you bring your vision to life — one phase at a time.Partner with a lender who understands the art of building luxury

Properties

Pahrump, NV 89048

Int Rate to investor: 12%
Term: 12 Months
LTV: 68% LTV
Project Type: Ground up construction

This $205,000 loan funded the ground-up construction of a single-family residence in Pahrump, NV, with a projected after-repair…

Las Vegas, NV 89102

Int Rate to investor: 12%
Term: 12 Months
LTV: 90% of Purchase
Project Type: Fix and Flip

This $205,000 loan funded the ground-up construction of a single-family residence in Pahrump, NV, with a projected after-repair…

Las Vegas, NV 89107

Int Rate to investor: 11%
Term: 24 Months
LTV: 50% LT-ARV
Project Type: Fix and Flip

This $1.5MM loan, secured by a property purchased for $1.25MM, closed on June 30, 2023, and offered investors an attractive…

Las Vegas, NV 89141

Las Vegas, NV 89141
Int Rate to investor: 7.25%
Term: 18 Months
LTV: 59% LT-ARV
Project Type: Fix and Flip

A seasoned real estate investor and commercial developer has successfully completed a fix-and-flip project originally…

Las Vegas, NV 89107

Int Rate to investor: 12%
Term: 6 Months
LTV: 48% LT-ARV
Project Type: Fix and Flip

This loan fully funded the $1.2 million acquisition of a luxury property in Las Vegas, NV, for a returning borrower with a strong…