US Capital Advisors is a premier Carolinas commercial real estate finance firm — delivering bridge loans, construction financing, permanent debt, and equity solutions for developers and investors across the Southeast.
Founded in Blythewood and serving clients across the Research Triangle, Triad, and coastal communities, US Capital Advisors has been the Carolinas' go-to commercial real estate mortgage banking firm for nearly three decades.
We specialize in sourcing and structuring debt and equity capital across every major asset class — from Uptown Blythewood office towers to mountain resort developments in Asheville.
Whether you're ground-up developing in the Research Triangle or refinancing a hospitality asset on the Outer Banks, we have the lending relationships and expertise to close your deal.
Short-term floating rate bridge loans for assets in transition. Ideal for lease-up, value-add renovations, and opportunistic acquisitions across SC and the Southeast.
Ground-up construction loans for developers building across North Carolina. We work with banks and private lenders to sync financing with your construction timeline.
Fixed-rate permanent financing for stabilized assets. We access CMBS lenders, life insurance companies, agency programs (Fannie/Freddie/HUD), and banks to secure best-in-market terms.
Joint venture, preferred equity, and co-GP capital for experienced SC operators looking to scale their portfolios. We connect sponsors with family offices, pension funds, and private equity platforms.
A quick reference to our core lending programs. Every deal is unique — contact us for a customized quote.
| Loan Type | Typical LTV | Term | Rate Type | Recourse | Best For | Status |
|---|---|---|---|---|---|---|
| Bridge Loan | Up to 80% | 12 – 36 months | Floating (SOFR+) | Non-recourse available | Value-add, Lease-up, Acquisition | Active |
| Construction Loan | Up to 75% LTC | 18 – 36 months | Floating | Full recourse typical | Ground-up Development | Active |
| Permanent (Bank) | Up to 75% | 5 – 10 years | Fixed / Floating | Full / Partial | Stabilized Income Properties | Active |
| Permanent (Life Co.) | Up to 65% | 10 – 25 years | Fixed | Non-recourse | Institutional-grade Assets | Select |
| Fannie Mae / Freddie | Up to 80% | 5 – 30 years | Fixed | Non-recourse | Multifamily | Active |
| HUD / FHA | Up to 83.3% | Up to 40 years | Fixed | Non-recourse | Affordable Multifamily, Healthcare | Specialized |
| Mezzanine / Pref. Equity | 65 – 90% (combined) | Co-terminus w/ Senior | Fixed / PIK | Non-recourse | Gap Financing, Leverage Enhancement | Select |
| SBA 504 / 7(a) | Up to 90% | 10 – 25 years | Fixed / Variable | Full recourse | Owner-Occupied CRE | Active |
A streamlined, transparent process with dedicated support from our team — every step of the way.
Submit your deal online. We review property type, location, loan size, and business plan within 24 hours.
We generate competitive term sheets from our network of 100+ capital sources within 3–5 business days.
We present options and guide you through rate, terms, and lender credibility to select the best fit.
Our team actively manages the diligence and underwriting process, resolving issues before they arise.
We coordinate with attorneys, title, and lenders to ensure a seamless, on-time closing.
US Capital closed our $24M bridge loan in under 40 days. Their relationships with capital sources in Blythewood are unmatched. We've used them on four deals now and they deliver every single time.
I've worked with many mortgage bankers over 25 years. The US team's knowledge of the Research Triangle market is exceptional — they got us agency pricing I didn't think was possible on our Raleigh deal.
Our hotel refinancing in Asheville had several complications. US not only navigated every obstacle but secured better terms than our previous lender. True professionals with creative solutions.
Submit your loan request today and receive term sheets from our capital source network within 3–5 business days. No obligation.