AESG Capital, Inc

About AESG Capital, Inc

AESG Capital, Inc is hard money lender headquartered in New York, NY. They offer funding all across the United States. Their focus is primarily on commercial hard money loans. Their lending guidelines are flexible, including loan amounts starting from $1,000,000 with a maximum LTV of 75% and terms between 1 year and 5 years. They make loans on all of the following property types: multi-family, apartment buildings, office units, retail units, hotels and motels, storage buildings, senior housing facilities, mixed use spaces, warehouse spaces, industrial facilities, and medical offices.

Loan Types Offered: Commercial Hard Money Loans

Property Types Covered: Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Warehouse, Industrial, Medical

Areas Served: National

Lending Guidelines for AESG Capital, Inc

Below are the general loan guidelines published on the AESG Capital, Inc 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 AESG Capital, Inc.

Loan Example 1

To accommodate his growing business, Francisco needs to acquire a new office building. After being denied a standard loan from his bank, he secures a commercial private money loan from AESG Capital, Inc. The building is listed for $200,000. Francisco will have to put 15% down, or $30,000, since the lender will fund only 85% of the purchase (the loan-to-value or "LTV"). Accordingly, the principle amount on the loan will be $170,000. The parameters of the loan include a 18 month term, a 8% interest rate, and 5 origination points to be paid by Francisco when the deal closes. According to the specifications of the deal, Francisco will pay origination points of $8,500 when the deal is executed. He will also begin to make payments of $1,133 monthly for the duration of the loan and will repay the principle amount at the expiration of the 18 month loan term. If he decides to pay off the loan earlier, he may do so without an additional expense because there is not a pre-payment penalty stipulated by the note.

Loan Example 2

AESG Capital, Inc makes a private money loan to Kay for a remodeling project in Washington DC, DC. The deal includes the following:

$260,000 purchase price
70% loan to value (LTV)
18 month term
10% interest rate
1% origination fee

After the rehab project is finished, if Kay sells the property for $325,000, the numbers would be as follows:

$325,000 sales price
- $182,000 loan principle (70% LTV)
- $78,000 down payment (30% on 70% LTV)
- $1,820 origination fee (1% of the $182,000 principle)
- $27,300 total interest paid (18 months x 10% interest)
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= $35,880 total profit (doesn't include taxes or rehab costs)

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