COMMERCIAL LENDING SPECIALISTS
Commercial Real Estate Financing. Done Right.
Fast, strategic financing for investors, developers, and business owners.
FINANCING SOLUTIONS
The Right Capital for Every Deal
Bridge & Hard Money
Short-term capital to close fast when timing is everything. Flexible terms for time-sensitive acquisitions.
Get Financing →Hybrid Loan Program
When traditional financing almost works. A flexible option for borrowers who fall just outside Bank Statement, P&L, or Non-QM guidelines. Available for owner-occupied and investment properties.
LEARN MORE →DSCR Loans
Qualify based on property cash flow—not personal income. Ideal for rental investors scaling their portfolio.
Get Financing →Fix & Flip
Competitive rates and fast closings for experienced flippers. Funding for purchase and rehab in one loan.
Get Financing →Ground-Up Construction
From lot to certificate of occupancy. We finance new construction projects for developers of all sizes.
Get Financing →Commercial Real Estate
Permanent and bridge financing for office, retail, industrial, and mixed-use commercial properties.
Get Financing →SBA Financing
SBA 7(a) and 504 programs for owner-occupied commercial real estate and business expansion.
Get Financing →Hybrid Loan Program
When traditional financing
almost works.
Not conventional. Not Non-QM. Not typical hard money. It's a Hybrid.
Residential 1–4 Unit Properties OnlyAvailable for owner-occupied and non-owner-occupied properties.
Designed for borrowers who fall just outside traditional Bank Statement, P&L, or Non-QM guidelines but still show a strong ability to repay. Available for owner-occupied and investment properties, with underwriting focused on payment history, cash flow, equity, and the overall strength of the deal.
SEE IF YOUR DEAL QUALIFIESWHY HR CAPITAL EDGE
DIRECT ACCESS. SMARTER EXECUTION.
HR Capital Edge connects investors, developers, and business owners with financing structured around the deal—not a one-size-fits-all lending box. From time-sensitive bridge loans to commercial acquisitions and construction financing, we help borrowers move with clarity and speed.
Hector M. Ruiz Jr.
Founder, HR Capital Edge
NMLS #2001093
Company NMLS #2743377
GET STARTED
Start Your Loan Request
Tell us about your deal and we'll match you with the right financing solution.
Funding Smarter. Moving Faster.