FAQ

Q. In which states do you lend?
A. Arctus Capital lends in most United States areas that have 'cash flowing' properties. 

Q. How quickly do you issue a letter of interest?
A. Within 48-72 hours after receiving all your documentation, we will issue a letter of interest or decline the opportunity.

Q. Do you  provide mezzanine funding?
A. Yes. Please see our Lending Products.

Q. Do you charge upfront fee?
A. Yes, we do collect due diligence fees up front. When we issue our letter of interest to the potential borrower, we collect these fees to cover appraisal, survey, title, attorney, closing costs, etc. 

Q. When will I get the funding?
A. Arctus Capital can usually fund within 10 working days after receiving all loan-related documents.

Q. What does it cost? (Give a range, plus points.)
A. Interest rates are 12% to 18%, and points as needed to originate and underwrite the line of credit.

Q. Do I need collateral?
A. Yes, all of our loans are secured with collateral.

Q. What collateral is acceptable?
A. Acceptable collateral includes real estate, machinery & equipment, publicly traded stock, royalties,  assignment of ownership and accounts receivable.

Q. Suppose I have no income from the collateral?
A. Collateral without income is acceptable, provided terms for the payment of interest and amortization are arranged with Arctus Capital. Sometimes interest and amortization can be paid up-front in the origination of the loan or will also reserve interest and amortization.

Q. How long will I have to pay back the loan?
A. Loan terms range from 12-18 months, and may be extended with an additional fee.

Q. Do you have prefered service providers?
A. Yes, please see our Prefered Service page.