CCG Capital Group

About CCG Capital Group

CCG Capital Group is hard money lender based in Austin, TX. They offer loans in Texas. They offer commercial hard money loans, buy and hold loans, cash out hard money loans, short term loans, fix-and-flip loans, and new construction loans. They issue terms between 3 months and 18 months, rates ranging between 11% and 13%, and loan amounts ranging from $250,000 to $5,000,000 with a maximum LTV of 70%. They offer loans on most property types, including single family residences, multi-family, apartments, office units, retail spaces, hotels and motels, storage facilities, senior facilities, mixed use, undeveloped land, churches, warehouse buildings, and industrial buildings.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, New Construction Loans, Refinance / Cash Out Loans, Bridge Loans

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

Areas Served: TX

Lending Guidelines for CCG Capital Group

Below are the general loan guidelines published on the CCG Capital Group 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 CCG Capital Group.

Loan Example 1

Leona is a real estate investor in Houston, TX. She discovers a run-down property and decides to rehab it and flip it for a profit. The house costs $160,000 but she does not have the full amount so she obtains a fix-and-flip loan with CCG Capital Group. The borrower will need to contribute 45% of the purchase price in cash to the closing based on a 55% loan to value set by the lender. This makes the loan principle from CCG Capital Group $88,000. The loan is interest-only, with monthly payments, and is for 12 months at 14% interest with 5 points paid when the deal closes.

Leona will have to bring a total of $32,400 upon closing to pay the $72,000 down payment plus the $4,400 origination fee. Once the loan is executed and Leona takes on the property, she will begin making payments each month of $1,027 to CCG Capital Group ($88,000 principle x 14% / 12 months). If Leona accomplishes her goal of a $224,000 total sales price when the loan term expires, she would pocket a gross profit of $47,280 after repaying the principle and subtracting the money she brought to closing, the origination fee, and the monthly interest payments.

Loan Example 2

Shelly locates a house in Houston, TX to rehab and resell. Because she does not have enough cash to buy the property outright, she takes a fix and flip loan from CCG Capital Group with the following parameters:

a) A $220,000 purchase price, b) a 75% loan-to-value (LTV), c) a 12 month term, d) a 8% interest rate, and e) a 5% origination fee.

Assuming a $319,000 sales price after the 12 month term, the numbers for this project would look like this:

$319,000 sales price
- $165,000 loan principle (75% LTV)
- $55,000 down payment (25% on 75% LTV)
- $8,250 origination points (5% of the $165,000 principle)
- $13,200 interest payments (12 months x 8% interest)
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= $77,550 gross profit (does not include taxes or rehab costs)