A10 Capital

About A10 Capital

A10 Capital is a Boise, ID based private money lender. They offer loans all throughout the United States. They provide commercial loans and short term bridge loans. Their lending parameters are versatile, including terms between 3 years and 5 years and loan amounts ranging from $1,000,000 to $10,000,000 with a maximum LTV of 80%. They offer loans on numerous property types, including multi family residences, office units, retail storefronts, industrial buildings, and mixed use spaces.

Loan Types Offered: Commercial Hard Money Loans, Bridge Loans

Property Types Covered: Multi Family, Office, Retail, Industrial, Mixed Use

Areas Served: National

Licenses: NMLS #1525840

Lending Guidelines for A10 Capital

Below are the general loan guidelines published on the A10 Capital website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by A10 Capital.

Loan Example 1

Joy is a small business owner in Salt Lake City, UT. She wants to buy a new office building for her business but she isn't able to obtain a standard loan from her bank due to her subpar FICO score. She looks to A10 Capital for a commercial private money loan in order to fund the acquisition. Because the lender and borrower agree to a 50% loan to value (LTV), Joy will pay $165,000 at closing and the principle will be $165,000 because the list price of the new building is $330,000. The lender additionally specifies the following terms of the transaction: 1) a 13% interest rate, 2) a 12 month length with interest only payments to be made each month, 3) an origination fee of 5 percent paid by the borrower at closing, and 4) no penalty for pre-payment. Joy can eliminate the note at any point by paying off the $165,000 in principle, but she will need to pay $1,788 /month interest payments ($165,000 principle value x 13% interest / 12 months per year) in the interim, or until the loan expires. Since there is not a pre-payment penalty, the only additional expense she would have is the $8,250 origination charge which she will pay at closing.

Loan Example 2

Ernest is a an investor in Boca Raton, FL. He finds an older property for a rehab project and takes out a hard money bridge loan from A10 Capital with the following terms:

$300,000 purchase price
65% loan to value (LTV)
12 month term
9% rate of interest
2% origination fee

After the rehab project is completed, if Ernest sells the project for $405,000, the numbers would be the following:

$405,000 sales price
- $195,000 principle on note (65% LTV)
- $105,000 cash paid at closing (35% on 65% LTV)
- $3,900 origination fee (2% of the $195,000 principle)
- $17,550 interest payments (12 months x 9% interest)
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= $83,550 total profit (doesn't include taxes or rehab costs)