A True Lending Partner

Creative, Collateral Based Private Lending Solutions

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What Makes Us Different?

We’re different, and we know it. Black Label Capital is a true hybrid lender. In 2018, BLC was formed so we could lend our own funds on the side while we were doing fix and flips. It was not a business for us. We quickly realized our passion for lending and turned it into what it is today. To this day, we still lend our own personal capital alongside our investors. This is a rare thing for most “hard money lenders”. Since we personally have something to lose in every deal, this ensures that we are not just funding loans to fund loans. We fund real opportunities and deals we believe in. Would you put your money into a deal if you didn’t believe in it?

We are investors at our core. With a background in fix and flips, we understand your needs. We’ve crafted our credit boxes to provide you with every loan product you could need, from renovation loans, to new construction and 30 year rentals to help you build your portfolio as you navigate the BRRRR process. There’s literally no other reason to shop the competition. We are the only lender to offer both down payment options and 100% financing for renovation and new construction loans. Whether you want to keep cash in your pocket or throw some money into the deal, we’ve got you covered. You tell us your needs, and we’ll provide a custom option designed specifically for you.

A “true lending partner” is not just a catch phrase. It’s how we operate. Partner with us and let’s grow together.

Transparency

No hidden fees. No fine print. We strive to be honest and transparent.

Creative Solutions

No two loans are the same. Let us figure out the best solution for you.

Flexibility

Flexible underwriting guidelines.

Fast Funding

We fund in days, not weeks.

Current

Interest Rates

We Know Lending

Black Label Capital strives to offer creative, collateral based private lending solutions. We are a Veteran owned lending partner based in Dallas, Texas, who has years of construction, fix and flip, lending and underwriting experience. We’ve been there, and we know what it’s like to need funding for a project. Every situation is different, and we understand that. Our objective at Black Label Capital is to provide you with flexible financing options so you are able to achieve your goals.

Loan Options

We Have a Loan for You

Frequently Asked Questions

What is a hard money/private money loan?

A private lender is an individual who lends out their own capital. Typically, this is not their day job and they lend their own funds as opportunities present themselves. A hard money lender is one who operates a business lending to clients on a daily basis and actively markets and expands their business. Hard money lenders typically raise capital by bringing in investors so they can fund loans in volume, or by leveraging institutional capital. Most true hard money lenders do not lend their own personal capital.

What type of loan options does Black Label Capital offer?

Rehab Loan (Down Payment Option)
New Construction Loan (Down Payment Option)
Rehab Loan (100% Financing)*
New Construction Loan (100% Financing)*
30 Year Rental Loan
- Purchase
- Rate and Term Refinance
- Cash Out Refinance
3 Year Bridge Loan
Transactional Funding

Do you require experience?

No. We all have to start somewhere, right? That’s the beauty of private lending. If you can prove to us that you are strong in other areas (credit, liquidity, subject property), we can look past the lack of experience.

Does Black Label Capital fund nationwide?

Yes. We are capable of funding all our products, except our 100% financing options, nationwide.

How quickly can you fund a loan?

As a lender, this is always a tough question to answer and we believe most lenders mislead potential clients with their response. Instead of saying we can close in 48 hours, or in 7-10 days, we believe the proper answer is, “we can typically fund as soon as we have a valuation on the property, clear title work, and all of the required documents from the borrower”. If a lender is saying they can close in 48 hours, this might be true, but what they are not telling you is that they can close within 48 hours of receiving all of the items above.

Recently Funded Loans

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Ready To Get Started?

MJ Jannamon

2021-12-31

I was brand new to the entire process, Matt Podesto and his team worked with me every step of the way, making sure I understood and answered all questions that came up. They were very punctual and on top of it from the initial contact to the closing date. Requested my first contractor draw and within hours (not days or weeks) they already scheduled an inspection. Blown away by their service and care. My only regret is that I wasted time with other lenders before finding Black Label Capital. Don’t make my mistake, call Black Label first and get with Matt, he’ll take awesome care of you.

Jorge Rojas

2021-12-30

This is the best Hard Money Lender in whole Metroplex. Ease to wok with, I never had any issues with them.

Kaye Green

2021-12-29

This lender has been great to work with. Their process and customer service has exceeded my expectations. I'm always able to get in touch with my lender and he was able to thoroughly answer all my questions throughout the transactions. Will definitely recommend BLC to others.

Sam A

2021-12-28

Quick and super easy to deal with, we closed on a house in 48 hours, now I have 5 open loans with Matt, not to mention the personalized service that Matt provides.

MARGARITA GRAHAM

Great communication throughout and quick responsiveness!

David Plowden

2021-12-23

I can't say enough about the process and customer service Black Label Capital provided my business in closing my loan. The process was seamless and they exceeded my expectations. I highly recommend Black Label Capital for all your lending needs.

Alex Pezeshki

The staff has made it easy and understanding in dealing with funding. I have done two projects with Black Label Capital and I can't wait to do more with them!

Cleveland Robinson

2021-08-06

Good lender to work with. What makes them valuable is that there are no junk fees and their approach to lending is straight forward.I was very pleased with my transaction.