Carbon Capital

About Carbon Capital

Carbon Capital is private lender based in Jacksonville, FL. They provide funding throughout Florida. They offer lending solutions for a variety of situations and needs, including commercial loans and fix and flip hard money loans. Their lending parameters are flexible, including loans with a maximum LTV of 75%, terms between 3 years and 8 years, and rates ranging between 7% and 12%. They provide loans on many types of properties, including single family homes, multi family, offices, retail storefronts, industrial facilities, and mixed use.

Loan Types Offered: Fix and Flip Loans, Commercial Hard Money Loans

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

Areas Served: FL

Licenses: NMLS# 1201913

Lending Guidelines for Carbon Capital

Below are the general loan guidelines published on the Carbon 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 Carbon Capital.

Loan Example 1

Johnny finds a duplex in Miami, FL to renovate and sell. Since he does not have enough cash on-hand to acquire the $280,000 project outright, he decides to take out a fix-and-flip loan from Carbon Capital. Since the lender sets a 50% loan to value, Johnny will have to put 50% down and the principle amount of the loan will be $140,000. The rate on the loan is 12% for a term of 6 months and the lender requires a five point origination fee at closing. The interest payments are to be paid on a monthly basis and the principle amount will be repaid after the property sells.

Johnny will have to bring $140,000 at the closing (50% on the 50% LTV), plus he will pay the $7,000 origination fee. he must then pay $1,400 per month to the lender. Assuming Johnny sells the remodeled house for $420,000 at the end of the 6 month term, his total profit (not including remodeling costs) would be $124,600. This is computed by taking the sales price ($420,000) and subtracting the original principle ($140,000), the origination cost ($7,000), the cash he brought to closing ($140,000), and the total interest expenses ($8,400).

Loan Example 2

Carbon Capital makes a private money loan to Marina for a remodeling project in Miami, FL. The loan includes the following:

$310,000 purchase price
85% loan-to-value (LTV)
12 month term
10% interest rate
4% origination fee

If Marina accomplishes her goal of a $403,000 sales price, the final numbers of the project would be as follows:

$403,000 sales price
- $263,500 principle on note (85% LTV)
- $46,500 cash paid at closing (15% on 85% LTV)
- $10,540 origination fee (4% of the $263,500 principle amount)
- $26,350 total interest paid (12 months x 10% interest)
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= $56,110 total profit (doesn't include taxes or renovation costs)