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Institutionally Managed.

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IceCap Group
Wins Private Lender
of the Year Award!

Bridge/FixNFlip®

Leading relationship lender

  • Low Rates
  • No Fee to Apply
  • Fast Closings
  • Veteran Team
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DSCR/Term

Competitive and flexible

  • 30-day Rate Lock
  • Long-term Options
  • Short-term Options
  • $100k – $100M Funding
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Ground Up

Competitive terms

  • Quick Draw Process
  • Expert Team
  • Term Takeout Options
  • Extensions Available
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Icecap Products

About Us

IceCap Group is one of the largest private money lenders in the country providing short term loans for the purchase, renovation, and construction of single, multifamily, and mixed-use real estate.

Meet Our Team
Year Launched
2000
Loans Originated
0 +
Team Members
0 +
Bulldozer breaking ground at construction site
Illuminated front stoop and of blue house
Modern kitchen design

Why IceCap

Personal Relationships

We prioritize your needs with personalized solutions and support.

Best in Class Service

We prioritize exceptional service setting the standard in the industry.

Fast Closings

We prioritize speed without sacrifice for an efficient closing process.

Frequently Asked Questions

IceCap Group offers diverse financing solutions including short-term bridge loans, renovation-focused fix & flip loans, ground-up construction loans for development projects, long-term loans for stabilized multifamily properties, DSCR loans based on cash flow, and portfolio loans for rental property investors.

Our experienced team is dedicated to delivering fast, efficient service tailored to each borrower’s unique needs.

🕒 Loan Closing Timeframes

  • Bridge Loans: Can close and fund within a few days, depending on processing speeds and document readiness — typically under 2 weeks.
  • Fix & Flip Loans: Generally close within 2 weeks.
  • Ground-Up Construction Loans: Usually close within 2 to 3 weeks.
  • DSCR Loans: Commonly close within 2 weeks.
  • Rental Portfolio Loans: Typically close within 2 weeks.

Timelines may vary depending on borrower qualifications, property details, and market conditions. However, we pride ourselves on delivering some of the fastest turn times in the industry—closing as soon as all required conditions are met.

⚙️ Processing Turn Times

  • Document Uploads: Immediate
  • Account Manager Review: Same business day if submitted by 5 PM EST
  • Underwriter Review:
    • 1 business day for Term Loans
    • 1–2 business days for Bridge Loans
  • Clear to Close: Within 1 business day
  • Closing Document Generation:
    • Same day if “Clear to Close” issued before 11 AM EST
    • Otherwise, within 1 business day

As a broker, how do I sign up to start the application process?

Getting started is quick and easy — just click this simple link: Let’s Go!

Once submitted, a dedicated account executive will promptly reach out to collect a few more details. Most approvals are completed within 1 business day, making the entire process fast, efficient, and hassle-free.

  • We finance residential investment properties including single-family homes, 2–4 unit dwellings, condos, and small multifamilies. Like many private lenders, we focus on non-owner occupied 1–4 unit properties (and certain multifamily/apartments), rather than owner-occupied homes .
  • Eligible collateral includes 1–4 unit residential properties – such as single-family rentals, townhomes, and duplexes – and often multifamily buildings as well. For instance, American Heritage Lending’s FAQ notes they lend on SFR (1–4 units), multifamily, and condos . (Mixed-use or purely commercial properties are generally not financed under our standard programs .)
  • No – we do not finance owner-occupied properties. Our programs are limited to non-owner occupied real estate investments. This aligns with industry practice: Capital Fund I’s FAQ clearly states they only lend on non-owner-occupied residences (tenants are fine, but the borrower cannot live there) . In short, you cannot occupy the home; it must be an investment property.
  • Our loans are business-purpose only, meaning the property cannot be your primary residence. For example, Anchor Loans notes it has no owner-occupied loan program and lends only to experienced investors for non-owner occupied projects . You may rent the property to tenants, but you as the borrower cannot reside in it under our loan terms.
  • Absolutely. In addition to fix-and-flip bridge loans, we offer 30-year rental property loans (often called DSCR loans) for purchasing or refinancing income properties. This dual focus is common – e.g., Kiavi’s products include both bridge loans for flips and DSCR rental loans for long-term holds . So whether you’re flipping for resale or building a rental portfolio, we have loan options for each strategy.
  • Yes – we have long-term rental loans for investors who buy-and-hold properties. These loans are typically 30-year, fixed or hybrid adjustable mortgages based on the property’s cash flow (Debt Service Coverage Ratio). Competitors like LendingOne and Visio Lending similarly offer DSCR-based rental loans alongside their short-term flip financing , and we provide the same full spectrum of loan types.
  • We have a dedicated Broker Program (Third-Party Origination program) for mortgage brokers and referral partners. In fact, many of our loans are originated via broker partnerships. This question appears on many competitors’ sites – for example, LendingOne’s broker FAQ asks “Do you work with Mortgage Brokers?” and the answer is yes, they have an exclusive wholesale program . We likewise welcome brokers and provide the support and compensation structure to make it a win-win.
  • We actively partner with brokers. Just as other leading private lenders (like LendingOne and Kiavi) have broker or TPO programs , we offer broker access to all our loan products. If you’re a mortgage broker with real estate investor clients, you can work with us either through our formal broker agreement or even on a deal-by-deal referral basis.
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What our clients are saying

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I truly appreciate your help on this transaction. Aside from the appraiser delay, this was the fastest bridge loan I've ever closed! The rate was excellent, and the process was seamless overall. I'll definitely be bringing more bridge deals your way, as long as they align with your credit criteria.

The quick pricer tool is fantastic, you've been amazing to work with, and Nolen, the underwriter, is incredible. He moves through files with impressive speed and efficiency. Having worked on all three of my loans, I can confidently say he’s one of the best DSCR and bridge loan underwriters I've partnered with as a broker.

Looking forward to working together again soon!

BrandonBroker

I just wanted to personally thank the entire team of IceCap for this 24hr CTC. Your team took in this DSCR loan, YESTERDAY!! This was from one of my most important clients. Your team underwrote, CTC, balanced and authorized funding for tomorrow...that is UNREAL. All in one business day.

I really appreciate management and operations coming together for me on this last-minute fire drill to save my reputation. I made a mistake by trusting a competitor with empty promises. YOU GUYS NOT ONLY, HONORED THE RATE THAT I PROMISED THE CUSTOMER BUT ICE CAP CAME THROUGH IN STELLER FASHION!

I really appreciate you guys!

DennisBroker
You undersold how good your process was – that was hands down the smoothest loan I’ve ever closed.-Phildelphia, PA Broker
Phildelphia, PA Broker

It has been an absolute pleasure to work with the team at BluFin / IceCap. I cannot say enough good things.

From start to finish I feel confident knowing that I have a partner that will execute at the highest level. Nathan Lati, Adam Harris and Nolan Poretz are true professionals, they go above and beyond to provide white glove service and are always honest and transparent.

I look forward to growing my business with them by my side.

Broker

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