Fast Commercial Loans • Cincinnati & Nationwide
    (513) 226-9052
    JT Capital Advisors
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    Commercial Lending Programs

    Fast, flexible financing solutions for real estate investors and business owners in Ohio.

    Call (513) 226-9052

    Find Your Perfect Loan Match

    Answer a few questions to get personalized recommendations

    What's your primary goal?

    Our Loan Programs

    Choose the financing solution that fits your needs

    Hard Money Loans

    Fast asset-based financing for real estate investors

    • ✓2-4 week funding
    • ✓Up to 90% LTV
    • ✓$50K-$5M+
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    Private Money Loans

    Flexible terms from experienced private lenders

    • ✓Relationship-based
    • ✓Customized terms
    • ✓$75K-$10M+
    Learn More

    Fix & Flip Financing

    Complete financing for property rehabilitation

    • ✓100% financing available
    • ✓Rehab draw schedule
    • ✓Fast closing
    Learn More

    DSCR Loans

    Rental property loans based on cash flow

    • ✓No income verification
    • ✓30-year terms
    • ✓Unlimited properties
    Learn More

    Bridge Loans

    Short-term financing for property transitions

    • ✓5-10 day closing
    • ✓6-36 month terms
    • ✓$100K-$10M+
    Learn More

    Construction Loans

    Finance ground-up development projects

    • ✓Up to 90% LTC
    • ✓Flexible draws
    • ✓$250K-$20M+
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    Equipment Financing

    Finance business equipment and machinery

    • ✓100% financing
    • ✓24-48 hour approval
    • ✓$25K-$5M+
    Learn More

    Business Lines of Credit

    Revolving credit for working capital needs

    • ✓Revolving credit
    • ✓Flexible use
    • ✓$10K-$500K
    Learn More

    SBA Loans

    Government-backed small business financing

    • ✓Low down payments
    • ✓Long terms
    • ✓Up to $5M
    Learn More

    Working Capital

    Short-term financing for operational needs

    • ✓Fast approval
    • ✓Flexible terms
    • ✓$10K-$500K
    Learn More
    Call (513) 226-9052

    Which Loan is Right for You?

    Find your situation and discover the best financing options

    Buying at Auction

    Need to close fast with cash-equivalent financing to compete with all-cash buyers.

    Fix & Flip Project

    Financing for property acquisition and renovation with exit strategy in 6-18 months.

    Long-term Rental

    Building a rental portfolio with properties that generate positive cash flow.

    New Construction

    Ground-up development projects requiring flexible draw schedules.

    1031 Exchange

    Time-sensitive property replacement to defer capital gains taxes.

    Business Expansion

    Growing your business with equipment, working capital, or long-term financing.

    Compare All Loan Programs

    Side-by-side comparison to help you decide

    Not sure which loan is right for you? Scroll up to use our Decision Tool
    Loan Type Loan Amount Terms Funding Speed Credit LTV/Down Prepayment Best For Details
    Hard Money $50K - $5M+ 6-24 months 2-4 weeks Fair Up to 90% None Fix & flip, rehab projects
    Private Money $75K - $10M+ 6-36 months 7-14 days Fair/Good Up to 85% None Flexible real estate financing
    Bridge Loans $100K - $10M+ 6-36 months 5-10 days Fair/Good Up to 80% None Quick closings, transitions
    DSCR Loans $100K - $5M+ 30 years 2-3 weeks Good Up to 80% Declining (1-3 yrs) Rental properties
    Fix & Flip $75K - $3M+ 6-18 months 5-10 days Fair Up to 90% ARV None Property rehabilitation
    Construction $250K - $20M+ 12-24 months 2-4 weeks Good Up to 90% LTC Varies Ground-up development
    SBA Loans $50K - $5M 10-25 years 4-6 weeks Good/Excellent 90% down 10% Declining Business expansion
    Equipment $25K - $5M+ 12-84 months 24-48 hours Fair/Good 100% financing Varies Business equipment
    Business Credit $10K - $500K Revolving 24 hours Good N/A None Working capital
    Working Capital $10K - $500K 3-18 months 24-48 hours Fair/Good N/A None Cash flow needs

    Hard Money

    Amount:
    $50K - $5M+
    Speed:
    2-4 weeks
    Terms:
    6-24 months
    Credit:
    Fair
    Prepayment:
    None
    Best for: Fix & flip, rehab projects

    Private Money

    Amount:
    $75K - $10M+
    Speed:
    7-14 days
    Terms:
    6-36 months
    Credit:
    Fair/Good
    Prepayment:
    None
    Best for: Flexible real estate financing

    Bridge Loans

    Amount:
    $100K - $10M+
    Speed:
    5-10 days
    Terms:
    6-36 months
    Credit:
    Fair/Good
    Prepayment:
    None
    Best for: Quick closings, transitions

    DSCR Loans

    Amount:
    $100K - $5M+
    Speed:
    2-3 weeks
    Terms:
    30 years
    Credit:
    Good
    Prepayment:
    Declining (1-3 yrs)
    Best for: Rental properties

    Fix & Flip

    Amount:
    $75K - $3M+
    Speed:
    5-10 days
    Terms:
    6-18 months
    Credit:
    Fair
    Prepayment:
    None
    Best for: Property rehabilitation

    Construction

    Amount:
    $250K - $20M+
    Speed:
    2-4 weeks
    Terms:
    12-24 months
    Credit:
    Good
    Prepayment:
    Varies
    Best for: Ground-up development

    SBA Loans

    Amount:
    $50K - $5M
    Speed:
    4-6 weeks
    Terms:
    10-25 years
    Credit:
    Good/Excellent
    Prepayment:
    Declining
    Best for: Business expansion

    Equipment

    Amount:
    $25K - $5M+
    Speed:
    24-48 hours
    Terms:
    12-84 months
    Credit:
    Fair/Good
    Prepayment:
    Varies
    Best for: Business equipment

    Business Credit

    Amount:
    $10K - $500K
    Speed:
    24 hours
    Terms:
    Revolving
    Credit:
    Good
    Prepayment:
    None
    Best for: Working capital

    Working Capital

    Amount:
    $10K - $500K
    Speed:
    24-48 hours
    Terms:
    3-18 months
    Credit:
    Fair/Good
    Prepayment:
    None
    Best for: Cash flow needs

    Compare Similar Products

    See the key differences between related loan programs

    Short-term Real Estate Financing

    Hard Money

    Speed: 2-4 weeks
    Best for: Fast closings
    LTV: Up to 90%

    Bridge Loans

    Speed: 5-10 days
    Best for: Transitions
    LTV: Up to 80%

    Fix & Flip

    Speed: 5-10 days
    Best for: Rehab projects
    LTV: Up to 90% ARV

    Long-term Real Estate Financing

    DSCR Loans

    Terms: 30 years
    Best for: Rental properties
    Doc: No income verification

    Private Money

    Terms: 6-36 months
    Best for: Flexible deals
    Doc: Relationship-based

    Business Financing Options

    Equipment

    Speed: 24-48 hours
    Best for: Equipment
    Amount: $25K-$5M+

    Business Credit

    Speed: 24 hours
    Best for: Working capital
    Amount: $10K-$500K

    SBA Loans

    Speed: 4-6 weeks
    Best for: Expansion
    Amount: $50K-$5M

    Why Choose JT Capital Advisors?

    500+
    Loans Funded
    $50M+
    Financed
    24-48hr
    Approval Time
    4.9★
    Client Rating
    Call (513) 226-9052

    Need Notary Services in Ohio?

    Visit our sister company Signed On Time Mobile Notary for professional notarization services throughout Southwest Ohio.

    Ready to Get Financed?

    Let's discuss your project and find the perfect financing solution.

    Call (513) 226-9052

    Need Financing?

    Fast approval • Flexible terms

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