Residential. Commercial. Business.
Nworie Capital provides Private Money Lending throughout the United States.
Services
Residential Loans
We provide Private Money Lending for:
Non-Owner Occupied Investment Properties
AirBnB | New Construction | Rehab | Fix-n-Flip | Straight Bridge
Adjustable Rate Mortgages (ARMs) | Rental Property (30yr Fixed)
Portfolio Loans | Jumbo | Multi-Family Residential
Rate-n-Term Refinance | Cash-Out Refinance
Ask us about options for 100% Financing.
Commercial Loans
We provide Private Money Lending for:
Land Acquisition and Development | Bridge Loans for Acquisition | Construction Loans | Subdivision Development | Notes Purchased | Refinance: Cash-Out | Refinance: Rate and Term | Remodel/Renovation/Value-Add for Multi-Family
All Commercial Loans are reviewed on a case-by-case basis.
Small Business Loans
We provide Private Money Lending for:
Accounts Receivable Loans | SBA Loans | Equipment Leasing Equipment Purchase Loans | Loans to Purchase an Existing Small Business | Business Lines of Credit | Collateral Loans
Minimum 6 months in business and $10k monthly revenue.
About Us
Our Mission
At Nworie Capital, our mission is to provide quality service to our clients and quality investments to our investors with multiple programs, competitive rates, and a commitment to excellence.
- Our service is what sets us apart. We put our client's investment objectives at the heart of everything we do.
- As private investors, we are able to make loan decisions in-house. For many borrowers, that can make all the difference.
- Our clients recognize our flexibility as one of our greatest strengths. Through our network of affiliate lenders, we are able to negotiate multi-lender deals when necessary.
- We conduct due diligence on all prospective deals. Our investors expect quality investments.
- We strive to provide an environment that promotes equal opportunities for all.
Our Vision
Our vision is to establish strong bonds of trust with our clients with an eye on creating customers for life. Repeat customers and referrals are the lifeblood of our business model. Our priority is the relationship with our clients. That is why we never sell any of our client's information. Read our complete Privacy Policy for more details.
Our Culture
At Nworie Capital, our culture is built on service. We demonstrate our commitment to providing the highest levels of service by being mobile and independent. We regularly engage in tele-conferencing when traveling to meet in person is not an option. As independent investors, we are not limited by bank restrictions. We are able to consider every deal on its own merit.
Nworie Capital - Residential Lending Programs
Short Term Residential Lending
NO MONTHLY PAYMENTS REQUIRED FOR FIX-N-FLIP LOANS
Up to 90% LTV | 100% Rehab | 11% Rate | ARV Cap 75%
* Direct Lending
- Available in all major markets nationwide
- No prior experience necessary
- No Tax Returns necessary
- No W-2s necessary
- No DTI requirements
- Rate and LTV determined by credit score and experience
- FICO of 660 or better
- Close in 2-3 weeks
Qualifications:
* Advanced Draws Available Nationwide for Gold and Platinum Tier Investors
* No Monthly Payment Plans Available for Properties over $100k
* Non-Dutch Payments Programs Available for all Tiers
Ground Up Construction (GUC) Loans
Up to 90% LTC | 100% Hard Costs | 11% Rate | ARV Cap 75% | Up to 24 Months
* Direct Lending
- Available in all major markets nationwide
- Non-Dutch Payments Programs
- No Tax Returns necessary
- No W-2s necessary
- No DTI requirements
- Rate and LTV determined by credit score and experience
- FICO of 680 or better
- Close in 2-3 weeks
Qualifications:
* Gold and Platinum Tier Builders Preferred
* First time builders can be approved in Texas
Long Term Residential Lending
Investment Property Acquisition or Refinance Loan:
- Up to 80% LTV (Appraised Value or Purchase Price)
- Up to 75% LTV Cash Out
- 6.25% Rate (Fully Amortized, 30yrs Fixed)
* Direct Lending
- Available in all major markets nationwide
- No prior experience necessary
- No Tax Returns necessary
- No W-2s necessary
- No DTI requirements
* Rate & Term Refi Qualifications:
- Property Value Greater than $100,000
- DSCR Greater than 1.1
- Minimum FICO 650
- Close in 2-3 weeks
* No DSCR? No Cash Flow on the property? No Problem!
- Our FLEX DSCR Program has No Minimum DSCR (cash flow) requirement
- Property value must be greater than $100k
- 30yr fixed rate, fully amortized, conventional loans
- Pre-payment penalties range from 1 to 5 years
- Ideal for short-term rentals (like AirBnB and Vrbo Properties)
Horizontal Development and Vertical Construction
Nworie Capital Horizontal Development and Vertical Construction – 2024 allotment of $500M
Nworie Capital has recently engaged a capital partner who has $4.5B available to lend for horizontal development and vertical construction of residential real estate in the United States. Nworie Capital was allotted $500M with a stated goal of focusing on the Texas market.
We are currently seeking experienced builders and developers throughout the state of Texas who have large construction projects that need funding. Recent building experience will determine loan approval. If we can successfully lend the original $500M, Nworie Capital will be allotted an additional $500M to lend. While each allotment can technically be used throughout the United States, Nworie Capital has chosen to focus a majority of the funds in the state of Texas in order to spur economic growth locally. Nworie Capital is based in San Antonio, TX.
If you have experience building gated communities, large subdivisions, condos, townhomes, single family homes, or 2–4-unit residential properties, call us. We would like to speak with you. To be clear, this lending program is not for Fix-n-Flippers. This is for builders and developers who have strong portfolios of recent ground up construction experience. Additionally, this is not a 100% financing program, you will be required to have some equity in the asset. Liquidity requirements will apply.
If you have a project you would like to get funded, send us your executive summary and portfolio of recent work.
We are eager to invest in the best projects in Texas!
Nworie Capital - Commercial Lending Program
Long Term and Short Term Commercial Lending
Nworie Capital offers Direct Lending for
Commercial Real Estate Loans up to $5,000,000
* Rehab covered 100% for 5+ Multi-Family Commercial Loans
* Ground Up Construction (GUC) for Apartments up to 20 units