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Nationwide Provider of
Stable Capital for
Business Purpose Loans

 

Apartment for Rent

DSCR RENTAL

Summer House

LINES OF CREDIT

OUR PROCESS

Our Commitment to

Our Brokers

Speed

Fast Close allows you to get funding into your clients’ hands so they keep pace with real estate deals on the market.

Flexibility 

We offer different products with a variety of term lengths so your clients can choose what works best for them.

Strength

Stable, reliable capital with unmatched execution focused on building strategic partnerships with brokers.

Price Leadership

With competitive rates and a 21-day rate lock, we ensure stable capital is available when you need it.

Awards & Achievements

 

NPLA Private Lender of the Year 2024!

Constructive Capital is proud to be named the NPLA Conference Private Lender of the Year 2024. Thank you to the Team at NPLA for this recognition! 

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Pictured above are Ben Fertig, Constructive Capital President, with Jonathan L. Hornik, Esq., NPLA Conference CEO.

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Our Podcast

Explore Constructive Conversations 

Real insights for private lenders, real estate investors, and industry pros. Host Olivia Anthony sits down with leaders shaping the future of finance - from AI in property valuation to legal and marketing strategies.

News & Events

May

Conference

 

IMN SFR East - Miami, FL

19-21

Conference

 

Geraci Captivate - Las Vegas, NV

May

1-2

April

A Constructive Conversation with AAPL’s Linda Hyde, President, and Kat Hungerford, Marketing

 

Episode 3 Part 2 of our Constructive Conversations podcast

April

Published in AAPL Private Lender, 2Q edition

 

Foreclosure Should Be Your Last Resort - by Alan Tiongson

April

Published in Scotsman Guide, April edition

 

Where The Grass is Greenest - by Ben Fertig

April

Article published in AAPL Private Lender, 2Q edition

 

Spot (And Stop!) Real Estate Fraud - by Megan Castleton

ABOUT

Your Capital Partner

At Constructive Capital we believe a great company, a great business, is one that excels in extremely difficult market conditions. Those are the battles that we’re winning every day. And we share those successes with our clients. Everything we do starts from the client's success and works backward. We diversify our product offerings so that our clients have a wide range of products that they can then offer to their investors. We also diversify our capital sources, which allows us to be a price leader even in rising rate environments. That is something that’s enabled our clients to go back to their investors and offer a market level low price.

We have learned over time that real estate investors value reliability and speed above all else when choosing a capital partner. Today Constructive Capital is the industry leader in providing permanent finance solutions for real estate investors in the business purpose lending industry. The relationship that exists between a private investor and the broker or lender in that specific market is the lifeblood of the industry. And we want to be able to provide solutions that protect those relationships.

Coworkers

The Constructive Impact

"Our Account Executive is always available for scenarios on new loans as well as assisting pushing existing loans through the pipeline and on to the closing table."

Constructive Client

Broker

FEATURED IN

Constructive Capital Logo

1801 S. Meyers, Suite 400
Oakbrook Terrace, IL 60181

Tel: 833-208-1442

CONSTRUCTIVE CAPITAL DISCLAIMER

All terms subject to credit approval. All loans must be solely for a business or commercial purpose and secured by a non-owner-occupied property. Products not available in ND, RI, or UT. In CA, NV, and SD products offered by Fay Servicing, LLC d/b/a Constructive Mortgage Services. NMLS ID 88244. In all other states not previously listed, products are offered by Constructive Loans, LLC d/b/a Constructive Capital. Please visit www.nmlsconsumeraccess.org for additional licensing/registration information. All loans made and arranged in California pursuant to a California Financing Law License # 60DBO-82792. Rates, terms, and conditions are subject to change from time to time without notice. This advertisement is intended for mortgage professionals only.

Constructive Loans LLC, dba Constructive Capital, 5426 Bay Center Dr., Suite 300, Tampa, FL 33609. This website may be used by commercial lenders, brokers and borrowers and may not be used by members of the general public or residential owner occupied mortgage loan applicants in particular. The use of this website DOES NOT constitute an application for a mortgage loan and the pre-qualification and program recommendations generated by this website DO NOT under any circumstances constitute either a formal or informal loan approval or rate commitment. Terms and pricing recommendations generated by this website are subject to change without notice. Adjustable rate programs, fixed rate programs, pre-payment penalties, and applicable fees will apply according to separate guidelines and may change the nature of the pre-qualification and program recommendations generated by this website.

© 2025 Constructive Loans. All rights reserved.

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