Triumph Capital Partners

About Triumph Capital Partners

Triumph Capital Partners is a private lender headquartered in Encinitas, CA providing loans throughout California. They provide lending solutions for a variety of situations and needs, including fix-and-flip hard money loans, hard money bridge loans, and loans for investments properties. Their loan guidelines are flexible, including rates starting at 7.49% and loan amounts ranging from $100,000 to $1,500,000 with a maximum LTV of 75%. They primarily provide loans on single family units and multi-family.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family

Areas Served: CA

Lending Guidelines for Triumph Capital Partners

Below are the general loan guidelines published on the Triumph Capital Partners 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 Triumph Capital Partners.

Loan Example 1

Timothy is a house flipper in Los Angeles, CA. He discovers an older property for sale and decides to remodel it and sell it for a profit. The house has a cost of $190,000 but he doesn't have the full amount so he takes out a fix-and-flip loan with Triumph Capital Partners. The loan to value (LTV) on the deal is 80%. This means Timothy will need to bring 20% of the sales price to closing and the principle will be $152,000 on the loan. The parameters of the loan also stipulate a four percent origination fee which is to be paid at closing and a 6 month, interest only note with a 9% rate of interest.

By the parameters of the note, Timothy will need to contribute a $6,080 origination fee in addition to 20% of the sales price, or $38,000, since there is a 80% LTV. Once the deal closes, he will have to pay Triumph Capital Partners $1,140 in monthly interest fees, or 9% times $152,000 divided by 12 months in a year. If Timothy accomplishes his goal of a $285,000 sales price when the loan expires, he would make a gross profit of $82,080 after re-paying the principle and deducting the cash he paid at closing, the origination points, and the monthly interest payments.

Loan Example 2

Josie locates a townhouse in Los Angeles, CA to renovate and resell. Because she does not have enough cash to buy the property outright, she takes a fix and flip loan from Triumph Capital Partners with the following parameters:

$320,000 purchase price
55% loan to value (LTV)
18 month term
13% interest rate
4% origination fee

If Josie achieves her goal of a $432,000 sales price, the numbers of the deal would be as follows:

$432,000 sales price
- $176,000 note principle (55% LTV)
- $144,000 down payment (45% on 55% LTV)
- $7,040 origination points (4% of the $176,000 principle amount)
- $34,320 total interest paid (18 months x 13% interest)
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= $70,640 total profit (does not include taxes or renovation costs)

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