Must have 680+ Credit Score, 4 open credit accounts & Verified Income

ACCESS $50,000–$500,000 IN 0% WORKING CAPITAL TO START OR SCALE YOUR REAL ESTATE BUSINESS IN LESS THAN 14 DAYS

Watch This Video Below To Discover How To Scale Your Real State Business!

Fast, flexible capital for real estate investors. No collateral. No property liens. No 60–90 day bank delays.

Get Pre-Approved in 2 Minutes

Years of mortgage experience

$0M

Million funded volume

Investors served

“I do fix and flips, before working with Munoz Ghezlan I almost foreclosed on my properties! All of my cash was stuck in projects. I needed $40,000-$50,000 to finish up the renovations. I got a working capital loan, finished up."

Jeff

"We were looking for a way to scale our real estate portfolio, and Munoz Ghezlan & Co. made it possible. With their help, we secured over $400,000 in working capital. Their process is structured, efficient, and most importantly results-driven."

Minders

"I was struggling as a realtor doing 2-3 deals a month. I needed capital to build my business. I took out $35,000 and used it to generate more leads. Turned into $150,000~ in revenue. then took out another $150k!"

Landon

"Before working with MG capital, I was only able to wholesale all the properties I was finding and I felt like I was missing out on a lot of money not flipping any of the deals. I was able to get a working capital loan to scale my whole business."

Mike

"I used to work at a construction company dreaming of starting my fix & Flip business I had the experience, crew and tools. I looked at a lot of deals but didn't have the capital to start and didn't want to risk my own savings. got 125k in from Munoz Ghezlan and now i'm ready to grow!"

Gai

"I own a construction company and I needed more capital to grow my business and start my fix and flip business. I can now do more marketing, hire more people open up more projects and, start fixing and flipping"

George

Build, scale, or renovate your real estate portfolio using strategic, low-cost funding designed for serious investors

Unlock $50,000–$500,000 Without Traditional Bank Delays

Here Are the Loan Terms and Strategic Benefits of the

investor capital program

WHAT THE CAPITAL PROGRAM IS

Unsecured working capital designed specifically for real estate investors — delivered through 0% APR strategies and 5–7 year term loans.

Rental property down payments

BRRRR strategy

Fix-and-flip renovation budgets

Holding costs

Earnest money deposits for wholesaling

WHY IT WORKS

Structured to preserve cash flow and accelerate portfolio growth.

Minimizes over-leveraging

Perfect for cash-flowing assets

Build equity → refinance → pay off

Based on proven “good debt” frameworks

WHO IT’S FOR

Fast, flexible capital for active real estate investors.

Down payment assistance

Renovations & closing costs

680+ credit & $40K+ income

Investors wanting to scale now

Perfect for BRRRR, rentals, flips, and investors needing fast capital.

Qualification Requirements

Here’s what you need to qualify for the Investor Capital Program.

Credit Requirements

680+ credit score
2–4 active trade lines
Strong payment history

Income Requirements

$40,000+ annual income
W-2, pay stubs, or tax returns
Bank statements may be required

Investor Profile

Active real estate investor
Or serious about starting in 90 days
U.S. citizen or permanent resident

If you meet these requirements, there's a 90% chance you qualify for $50,000–$500,000 in unsecured working capital.

how it works

Book a Free Consultation

Speak with a Senior Real Estate Capital Advisor to discuss your funding needs

HOW IT WORKS

Submit Your Pre-Approval Application

Get started with a fast 2-minute application so we can review your credit profile, income, and funding goals.

Get Approved in 24–48 Hours

Our team evaluates eligibility and presents your exact funding range along with the best structure for your investment strategy.

Receive Your Capital in 3–7 Days

Once approved, funds are issued quickly — no collateral, no property liens, no 60–90 day bank delays.

Deploy Your Funds & Close Deals Faster

Use your capital for down payments, BRRRR projects, renovations, holding costs, or scaling your portfolio.

FAQ

FREQUENTLY ASKED QUESTIONS

No. In fact, the most successful investors secure capital BEFORE they find deals, not after. Having capital ready gives you negotiating power and speed when opportunities appear. We can approve you now, and you deploy the capital when you're ready.

We provide capital ranging from $50,000 to $500,000 depending on your credit profile, income, and investment strategy. During your free strategy call, we'll review your situation and tell you the exact amount you qualify for.

We look for three things:

• Credit score of 680+ (some flexibility)
• Verifiable income of $40,000+/year (W-2, pay stubs, or tax returns)
• Active real estate investor or serious about starting with a HUGE desire to make a change.

If you meet these criteria, there's a 90% chance we can help you.

Most clients are approved within 24–48 hours and receive funding within 3–7 days from approval. In some cases, we've funded clients in as little as 3 days. Compare that to banks (30–90 days) or hard money lenders (2–3 weeks).

Because this is unsecured capital, you can use it for ANY real estate investment strategy:

• Down payments on rental properties
• Fix-and-flip renovations
• BRRRR strategy
• Holding costs
• Multiple property acquisitions
• Earnest money deposits
• Emergency capital

Unsecured means you don't need to put up collateral or place a lien on any property. Our capital requires only your credit and income... giving you flexibility to deploy it however you need.

Banks: Slow (30–90 days), strict, tied to properties.
Hard Money: High interest (10–15% + points), requires collateral, short terms.

Munoz and Co. 3–7 day funding, no collateral required, flexible use across strategies, competitive rates, 5–7 year terms.

Our pricing is simple and transparent: an upfront fee as low as $1,000, plus a backend origination fee ONLY when you're funded.

• Upfront fee is fully refundable if pending approvals aren't secured
• Backend fees only apply when funded
• No hidden fees. No surprises. We only win when you win.

If we're unable to secure the capital we committed to, you receive a full refund of your upfront fee. We only succeed when you succeed.

We provide access to capital through a combination of business credit cards (0% intro APR) and 5–7 year personal term loans. The structure depends on your qualification and needs.

No. We work with both new and experienced investors. What matters is your credit, income, and commitment to real estate. We've helped first-time and seasoned investors alike.

We typically look for 680+, BUT we offer free credit repair as part of our service.

Even if you're below that threshold, we may be able to get you approved now... or build a 30–60 day roadmap to get you funded.

Yes. Because this is unsecured capital (not tied to a specific property), you can invest anywhere in the United States.

Have these ready:
• Current credit score
• Annual income
• Capital amount needed
• Investment goals for the next 6–12 months

Credit standards are tightening and alternative lending terms are shifting. What’s available today may not be available 90 days from now. Securing capital now positions you to capitalize on opportunities in 2025–2026.

MEET OUR TEAM

Why Real Estate Will Dominate in 2025

The 2025 market landscape presents one of the strongest opportunities for real estate investors in the last decade. Here's why serious investors are preparing now:

1. High Demand, Low Inventory

Demand for housing continues to outpace supply nationwide. This imbalance fuels appreciation and strengthens long-term ROI.

2. Institutional Buyers Are Scaling

Major funds & private equity groups are aggressively acquiring properties. Investors with fast access to capital outperform the market.

3. Interest Rates Are Stabilizing

Rates are projected to ease into 2025–2026. Investors buying now benefit from future refinances with stronger cash flow.

4. Rising Rents & Strong Appreciation

Rental demand keeps increasing, strengthening long-term wealth and asset growth for well-positioned investors.

5. Liquidity Is King in 2025

Investors who can move fast and close quickly win the best deals. Unsecured capital offers unmatched speed & flexibility.

6. Unsecured Capital Is Fueling 2025–2026 Deals

FortuneBuilders highlights unsecured lines as a fast-growing tool for investors. With instant access to capital, real estate becomes the strongest wealth vehicle heading into 2026.

The next 12–24 months will define who scales and who gets left behind. With the right capital, you can acquire properties strategically and stay ahead of institutional buyers.

Get Pre-Approved Today