Who We Are
Clear To Close Capital — Hard Money Lending Built by Investors, for Investors
Whether you’re purchasing your first investment property or scaling a portfolio, we offer fast bridge loan solutions designed to close in days — not weeks.
At Clear To Close Capital, we do more than fund deals. We help real estate investors move with confidence.
From your very first investment property to your next phase of growth, we provide the fast, strategic hard money lending solutions that serious investors need to compete, close, and build lasting wealth in today’s real estate market.
Clear To Close Capital
We believe that every serious real estate investor deserves:
- A hard money lender who answers the phone
- Loan terms that are explained clearly and honored completely
- A funding partner who understands the urgency of your deal
- Fast closings that give you a competitive edge
- A team that treats your investment like it matters — because it does
Loan Programs
Built by Investors, for Investors — We've Been Where You Are
We are not a bank. We are not a faceless institution processing files. We are real estate investors who became hard money lenders — and that changes everything about how we show up for our clients. Because we’ve sat on your side of the table.
We understand:
- The urgency of closing quickly in a competitive real estate market
- The importance of strong deal structure and how loan terms directly impact your ROI
- The reality of today's market — where cash buyers are everywhere and slow financing means lost deals
- What it means to need a straight answer fast when a deal is on the line
Whether you are:
- Purchasing your first investment property and need a patient, knowledgeable hard money lending partner to guide you through the process
- Scaling your fix and flip business and need a reliable private money lender who can fund multiple deals consistently
- Developing new construction projects and need flexible real estate funding solutions that match your build timeline
- Building a real estate portfolio and need a nationwide hard money lender who can grow with your ambitions
Why Investors Choose Clear To Close Capital
A Partner, Not Just a Lender
We are invested in your success — literally and figuratively. When you win, we win. That is the foundation every client relationship is built on at Clear To Close Capital.
Speed That Wins Deals
Our fast hard money loan process means you can submit a deal, get pre-approved, and close — while other investors are still waiting for a callback from their bank.
Communication That Actually Happens
Real answers. Real people. Real response times. We know that being unreachable is one of the most expensive things a hard money lender can be.
Terms That Make Sense
We structure competitive hard money loan terms that work for real-world investment deals—because we've run the numbers as investors ourselves and we know bad terms kill good deals.
Proven Results — Hundreds of Investors Funded Nationwide
Since founding Clear To Close Capital, we have helped hundreds of real estate investors— both brand new and highly experienced — secure the private real estate funding they needed to:
- Close on competitive investment properties before the competition
- Launch profitable fix and flip projects from the ground up
- Scale from their first deal to a thriving real estate investment business
- Build income streams and financial freedom through strategic real estate investing
- Compete with all-cash buyers using fast hard money loan approvals
- Access 100% hard money financing for the right deals
Meet Our Team
The Experts You Can Trust
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Justin Thomas
Founder
Kristi Iverson
Mortgage Strategist
Karen Smith
Mortgage Analyst
Michael Hurst
Loan Officer
Our Mission
Our mission is to make real estate funding simple, strategic, and accessible, so investors can focus on what matters most — closing deals and building wealth.
We believe that every serious real estate investor deserves a hard money lender who answers the phone, provides clear and transparent loan terms, and honors every commitment made.
We believe investors should have a funding partner who understands the urgency behind every deal, delivers fast closings that create a competitive edge, and treats each investment with the importance it truly deserves.
This belief is not just a marketing statement — it is the foundation of everything we do and the reason Clear To Close Capital exists.
The Clear To Close Capital Difference
OTHER HARD MONEY LENDERS
CLEAR TO CLOSE CAPITAL
Vague terms
Clear terms, every time
Slow responses
Fast answers, same day
Cookie-cutter programs
Strategic deal structuring
Hidden fees
Full transparency
Don't understand deals
Investors who get it
Weeks to close
Days to close
New investors turned away
New investors welcomed
Just a transaction
A real partnership
Testimonials
What our clients say about us
What Investors Say About Working With Us
I called four hard money lenders before Clear To Close Capital. Nobody gave me straight answers until I called them. We closed in 9 days, and I've done three more deals with them since.
