Get the Loan You Need


First Capital Trust Deeds makes asset-based loans for commercial and residential real estate projects. We provide fast, flexible, common sense solutions to suit your unique loan scenario. First Capital Trust Deeds understands the hard money financing needs of the active real estate investor. Each month, FCTD reviews more than 150 unique hard money loan scenarios. Every loan comes with its own set of challenges, including:

  • Collateral: unique or non-conforming property
  • Credit challenges: borrower/sponsor had credit blemishes in the past
  • Capital: cash flow might be low at the moment due to project delays
  • Title issues
  • Legal obstacles

First Capital Trust Deeds has the knowledge, experience, and resources to help you navigate the hard money and private money loan process.

Our loans are asset-based and are approved based on the After Built Value (ABV) or After Repair Value (ARV) of the borrower’s property, unlike conventional bank loans that are based on good credit scores and proof of income. We know time is of the essence and can make or break a deal. We are able to close on approved loan requests in as little as 10 business days after receiving all underwriting documents.

I can’t thank this amazing team enough. I’m impressed and after 20+ years in this industry that doesn’t happen too often. We are definitely working together again.L.M.

California Realtor

Ted at First Capital Trust Deeds is an exceptional Loan Officer to work with… First Capital Trust Deeds looked at my whole Real Estate Portfolio and put it on a spreadsheet, and gave me a comprehensive strategy to choose the right loan products, free up cash, lower interest rates… Since then, my business boomed, I made more money than I ever dreamed of, I am achieving better cash flow, I have purchased my dream home… It is a dream come true! 

All from one phone call, all from meeting the right business partner who doesn’t just treat you as a customer, but also treat you as an individual and cares about you; not only do exceptional work but also take it one step further to help you succeed. Thank you!C. P.



We’ll review the information provided in your inquiry to see if it falls within our loan parameters. If we can provide financing, we’ll kick off the loan by sending an application with an itemized list of loan conditions needed for approval.Z


From there, we’ll work with the lender, either our in-house funds, private individuals, family offices, or a pooled investment fund to approve the loan and coordinate the appraisal.


Finally, FCTD will work with title, escrow, real estate agents, attorneys, existing lenders, and lienholders, to handle all of the behind-the-scenes details in order to close the loan in a timely fashion.

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