Short-term · Acquisition + Rehab
Fix & Flip
- From
- 8.25%*
- Leverage
- 90% of purchase + 100% of rehab
- Loan size
- $50K to $3M
Private Real Estate Lending
Fix and flip, DSCR and bridge loans.
Terms in 24 hours. Closings in 7 to 21 days.
From a complete submission.
The SAREL Difference
Real estate lending that moves with you.
Leverage
Up to 90% of purchase and 100% of rehab.
First-Timers Welcome
No track record required on flips.
Clean Closings
Title, entity and lien issues cleared on day one.
One Contact
The person who reviews your file calls you back.
Qualify on the Deal
Most investors think they need a big paycheck to buy more property. They don’t.
Your bank wants
- Two years of tax returns
- A W-2
- A story
We want one thing
Does the property pay for itself?
If the rent covers the mortgage, you’re in business.
Loan Programs
One lender, start to finish.
Buy it. Fix it. Rent it. Refinance it. Repeat.
Long-term · Income property
DSCR Rental Loans
- From
- 5.39%*
- Leverage
- Up to 80% LTV
- Minimum DSCR
- 1.05x
Short-term · Stabilized, no rehab
Bridge Loans
- From
- 8.25%*
- Leverage
- Up to 85% LTC / 70% LTV
- Term
- 12 months
Construction · Draw-based
Ground-Up Construction
- From
- 8.99%*
- Leverage
- 100% of construction; up to 85% LTC
- Loan size
- $50K to $3M
*Starting rates. Pricing depends on credit, experience, leverage and property. Subject to underwriting and approval.
How It Works
From deal to closing.
Submit
Send the property and the numbers.
Get Terms
Term sheet within 24 hours.
Close
Standard loans close in 7 to 21 days.
Who We Work With
From a first flip to a full development.
- First-time investors
- Experienced investors
- Builders and developers
- Brokers and agents
Have a deal in front of you?
Loan Programs
Financing built for real estate investors.
One Lender, Start to Finish
- Buy it. Fix & Flip loan
- Fix it. Fix & Flip loan
- Rent it. DSCR loan
- Refinance it. DSCR loan
- Repeat. Your next deal
Financing designed for investors purchasing properties to renovate and resell.
Your next flip should not be waiting on a bank committee.
We fund on the property and the plan. First flip or fiftieth.
| Rates | Starting at 8.25%* |
|---|---|
| Loan amount | $50,000 to $3,000,000 |
| Purchase leverage | Up to 90% of purchase price (LTC) |
| Rehab financing | Up to 100% of rehab budget |
| Maximum loan to ARV | 75% |
| Term | 12 months standard; 18 months case by case |
| Experience | None required |
| Property | Non-owner-occupied 1 to 4 units, townhomes, warrantable condos |
| Borrower | Entity required; full recourse |
| First Deal track | 740+ FICO with no flipping experience: 90% of purchase and 100% of rehab |
| Closing | 7 to 21 days from complete submission |
Long-term financing for income-producing investment properties.
You wrote off everything on your taxes. Smart move. Until you tried to get a mortgage.
We qualify the property, not your tax return.
| Rates | Starting at 5.39%* |
|---|---|
| Loan amount | $75,000 to $2,000,000 |
| LTV | Up to 80% purchase and rate and term; up to 75% cash out |
| Minimum DSCR | 1.05x (gross rent divided by PITIA) |
| Minimum FICO | 660 |
| Term | 30 years; fixed and adjustable; interest-only options |
| Experience | Not required |
| Seasoning | 90 days to use appraised value instead of cost basis |
| Rent used | Leased: lower of in-place and market. Unleased: 90% of market |
| Property | SFR, 2 to 4 units, townhomes, PUD, warrantable condos |
| Borrower | Entity required; full recourse |
| Closing | 7 to 21 days from complete submission |
Short-term financing for opportunities where timing matters.
| Rates | Starting at 8.25%* |
|---|---|
| Loan amount | $50,000 to $3,000,000 |
| LTC | Up to 85% of purchase price plus verified completed capex (owned under 6 months) |
| LTV | Up to 70% |
| Minimum FICO | 660 |
| Term | 12 months |
| Two tracks | Listed for sale: no DSCR required, condition C2 or better. Rented or to be rented: 1.10x exit DSCR, condition C4 or better, no deferred maintenance |
| Property | SFR, 2 to 4 units, townhomes, PUD, warrantable condos |
| Closing | 7 to 21 days from complete submission |
Financing for investors and developers building residential investment properties from the ground up.
| Rates | Starting at 8.99%* |
|---|---|
| Loan amount | $50,000 to $3,000,000 |
| Land advance | Up to 75% of the lower of land value or price; 60% if unpermitted; catch-up draw to 75% once permits are approved |
| Construction | 100% of construction budget |
| Maximum total LTC | 85% of total project cost; 90% for experienced builders (3+ similar projects) with financed interest reserve |
| Maximum loan to ARV | 70% |
| Term | 12 months, up to 18; 12 to 24 for experienced builders |
| Experience | 1 to 2 prior ground-ups, or an experienced guarantor or general contractor |
| Property | 1 to 4 units, townhomes, condos; no mixed use, no 5+ units, no rural |
| Closing | 14 to 21 days from complete submission |
*Starting rates. Pricing depends on credit, experience, leverage and property. Subject to underwriting and approval.
Example deals
Fix & Flip
First flip, rehab financed
| Purchase | $300,000 |
|---|---|
| Rehab | $80,000 |
| ARV | $500,000 |
| Loan | $350,000 |
| Your cash | $30,000 + closing costs |
DSCR Rental
Two-family rental
| Purchase | $400,000 |
|---|---|
| Loan (80%) | $320,000 |
| Rent | $3,200 / mo |
| Payment (PITIA at 7.25%) | $2,933 / mo |
| DSCR | 1.09x |
Ground-Up
New construction
| Land + build | $600,000 |
|---|---|
| ARV | $900,000 |
| Loan (85% of cost) | $510,000 |
| Your cash | $90,000 + closing costs |
Illustrations only, not a quote or commitment to lend.
What we don’t fund
Owner-occupied homes, 11+ unit multifamily, pure commercial (retail, office, industrial), co-ops, condotels, and vacant land without a construction plan.
DSCR Calculator
Does the property pay for itself?
Enter the rent and costs to see your DSCR.
How It Works
From deal to closing.
Submit
Send the property and the numbers.
Get Terms
Term sheet within 24 hours.
Close
Standard loans close in 7 to 21 days.
What to Send
The more we know, the faster we can move.
You don’t need a finished package. Contracts and entity documents speed things up.
| Property address and type | Required |
|---|---|
| Purchase price and closing date | Deal |
| Rehab or construction budget | If applicable |
| Estimated after-repair value | If applicable |
| Expected monthly rent | Rentals |
| Your track record | Experience |
| Purchase contract, scope of work, entity documents | Speeds up closing |
About Us
Deals fall apart on paperwork, not on the numbers.
Our Approach
Problems flagged early, not at the closing table.
Our team has deep experience with the legal side of real estate transactions and litigation, and we review every file for those issues before it reaches closing.
Our Team
Who you’ll be working with.
Managing Member
Twenty years in real estate transactions, dispute resolution and litigation support. Reviews every file SAREL funds.
Operations and Processing
Runs the file from term sheet to closing: title, insurance, entity documents, appraisal and draw scheduling.
Brokers and Referral Partners
Bring us the deal. Keep your client.
Fee agreed up front
In writing, before we issue terms.
Paid at closing
Your fee appears on the closing statement.
Your client stays yours
We do not solicit your borrowers.
Terms in 24 hours
From a complete submission. Email brokers@sarelcapital.com or use the form.
Thanks. We have it.
We’ll confirm your fee in writing and come back with terms within 24 hours of a complete submission.
Frequently Asked Questions
Have questions? We have answers.
Do you work with first-time real estate investors?
Yes. No track record is required on flips, and we’ll walk you through the process.
What types of loans does SAREL Capital offer?
Fix and flip, DSCR rental, bridge and ground-up construction loans. Full terms are on our Loan Programs page.
How quickly can I get funded?
Most standard loans close in 7 to 21 days from a complete submission.
Do you lend based on the property or my personal income?
Mostly the property. DSCR loans, for example, qualify on rental income, not your personal income.
What is a DSCR loan?
A rental property loan that qualifies on whether the rent covers the payment. Try our DSCR calculator.
What is a fix-and-flip loan?
A short-term loan to buy, renovate and resell a property. It can cover the purchase and the rehab.
Do you finance ground-up construction?
Yes, for residential investment projects, from land through construction.
Do I need perfect credit?
No. Our standard programs generally start at a 660 FICO, and first-time flippers with a 740+ score can qualify for up to 90% of purchase and 100% of rehab. A past credit event does not automatically rule you out; tell us about it up front.
How much money do I need to put down?
Flips: as little as 10% of the purchase price, with rehab financed up to 100%. Rentals: 20% down on a purchase (80% LTV). Ground up: 25% of land cost. Exact leverage depends on credit, experience and the property.
Can I get prequalified before I find a property?
Yes. It helps you move fast when the right property comes along. Prequalification is not a commitment to lend.
What information do you need to review my deal?
The property, price, rehab or construction budget, expected value and your plan. We’ll tell you if we need more.
Do you only work with experienced developers?
No. We work with first-time and experienced investors.
Do you finance primary residences?
No. SAREL Capital makes business purpose loans on non-owner-occupied investment property only, not owner-occupied residential mortgages.
What areas do you lend in?
Send us the property address and we’ll confirm availability.
Do you help with title or entity issues?
We do not provide legal advice, but our team reviews every file for the title, lien and entity problems that commonly delay closings, and we work with your attorney and title company to resolve them early.
Are you a direct lender?
You deal with SAREL from term sheet to closing. One contact, one process. We fund through committed institutional capital so that the terms on this page are terms we can deliver. See our Disclosures for how our lending partners work.
How do I get started?
Submit your deal or give us a call.
Submit a Deal
Tell us about the deal.
Only the basics are required.
Contact
Let’s talk about your next deal.
Tell us what you’re working on.
Phone(201) 815-8574
General Inquiriesinfo@sarelcapital.com
Send a Dealdeals@sarelcapital.com
Hours
- Sunday to Thursday
- 9:00 AM to 6:00 PM
- Friday
- 9:00 AM to 1:00 PM
- Saturday
- Closed
Message received.
We’ll get back to you shortly.
Legal
Terms of Use
Effective date: September 27, 2026
1. Acceptance of these Terms
These Terms of Use (the "Terms") govern your access to and use of the website located at sarelcapital.com and any related pages, forms and content (together, the "Site"). The Site is operated by SAREL CAPITAL LLC, a New Jersey limited liability company ("SAREL Capital," "we," "us" or "our"). By accessing or using the Site, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Site.
We may change these Terms at any time by posting a revised version with a new effective date. Your continued use of the Site after a change is posted constitutes acceptance of the revised Terms.
2. Business Purpose Lending Only
SAREL Capital arranges and originates loans made exclusively for business, commercial or investment purposes and secured by non-owner-occupied real estate. We do not offer, arrange or make loans for personal, family or household purposes, and nothing on the Site is directed to consumers seeking such credit. Loans are made only to business entities and, where permitted, to individuals for a bona fide business purpose, and are documented as business purpose loans.
3. No Offer, No Commitment, No Advice
All information on the Site, including descriptions of loan programs, rates, leverage, terms, timelines and examples, is provided for general informational purposes only. Nothing on the Site is an offer to lend, a loan approval, a rate lock, a prequalification or a commitment to lend. Any loan is subject to a complete application, underwriting, property valuation, title, insurance, satisfactory documentation and final approval by SAREL Capital and, where applicable, its capital partners. Program terms and availability change without notice and may vary by state and property type.
You agree that you will not rely on any statement on the Site, in any preliminary quote or in any email, call or text from SAREL Capital in entering into a purchase contract, paying a deposit, waiving a contingency or incurring any cost, and that SAREL Capital has no liability for any such reliance. Nothing on the Site constitutes legal, tax, accounting, investment or financial advice. You should consult your own advisors before making any real estate or financing decision.
4. Submitting a Deal or Inquiry
Submitting a deal, requesting a quote or contacting us through the Site is not a loan application and creates no obligation on either party. When you submit information you represent that it is accurate and complete, that you have authority to submit it, and that you are at least 18 years of age. You authorize us to contact you regarding your submission by the methods you have consented to (see Communication Consent below). We may decline to review or respond to any submission at our sole discretion.
5. Communication Consent
By providing your telephone number and email address through the Site you consent to receive calls and emails from SAREL Capital about your inquiry. Where you have separately checked the text message consent box, you also consent to receive SMS or text messages, which may be sent using automated technology; consent to texts is not a condition of any loan or service, message and data rates may apply, and you may opt out at any time by replying STOP. You may withdraw any communication consent by emailing info@sarelcapital.com. Calls with SAREL Capital may be monitored or recorded for quality, training and compliance purposes; by continuing a call after notice you consent to recording.
6. Electronic Records and Signatures
You agree that we may provide notices, disclosures, term sheets and other documents to you electronically, and that electronic signatures and records used in connection with the Site and any loan transaction are valid and enforceable under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN) and applicable state law. You may request a paper copy of any document by contacting us.
7. Lending Partners
Loans arranged through SAREL Capital may be funded in whole or in part by third party capital providers under correspondent, table funding or referral arrangements. In such cases the loan may be closed in the name of SAREL Capital and assigned at or after closing, or closed directly in the name of the funding lender, and the loan may be serviced by a third party. SAREL Capital may receive compensation from such capital providers in addition to any fee paid by the borrower, and such compensation will be disclosed in the loan documents as required by law.
8. Intellectual Property
The Site and all content on it, including text, graphics, logos, the SAREL Capital name and tagline, page layouts and software, are owned by or licensed to SAREL Capital and are protected by copyright, trademark and other laws. You may view and print pages for your personal or internal business use in evaluating our services. You may not copy, reproduce, modify, distribute, scrape, frame or create derivative works from the Site without our prior written consent.
9. Acceptable Use
You agree not to: (a) use the Site for any unlawful purpose; (b) submit false, misleading or fraudulent information; (c) interfere with the operation or security of the Site; (d) use automated means to access the Site or harvest data; (e) upload viruses or malicious code; or (f) impersonate any person or entity.
10. Third Party Links and Content
The Site may contain links to third party websites, including social media, insurance, valuation and capital partner sites. We do not control and are not responsible for the content, privacy practices or availability of those sites.
11. Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR FREE OR FREE OF HARMFUL COMPONENTS.
12. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, SAREL CAPITAL AND ITS MEMBERS, MANAGERS, EMPLOYEES, AGENTS AND CAPITAL PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA OR OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR RELIANCE ON ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED DOLLARS ($100).
13. Indemnification
You agree to indemnify, defend and hold harmless SAREL Capital and its members, managers, employees and agents from any claim, loss, liability or expense, including reasonable attorneys' fees, arising from your use of the Site, your submissions or your violation of these Terms.
14. Governing Law; Dispute Resolution; Class Action Waiver
14.1 Governing law. These Terms and any dispute arising out of or relating to the Site, your submissions, our communications with you (including calls, emails and text messages) or these Terms (a "Dispute") are governed by the laws of the State of New Jersey and the Federal Arbitration Act, without regard to conflict of laws principles.
14.2 Informal resolution first. Before starting any arbitration or lawsuit, the party raising a Dispute must send the other a written notice describing the Dispute and the relief sought (to us at info@sarelcapital.com; to you at the email address you provided) and the parties shall attempt in good faith to resolve it for sixty (60) days. This step is a condition precedent to any proceeding.
14.3 Binding arbitration. Any Dispute not resolved informally shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules (or, for a claim by an individual under $75,000, its Consumer Arbitration Rules), before a single neutral arbitrator, seated in Bergen County, New Jersey, with hearings by video where permitted. The arbitrator, and not any court, has exclusive authority to decide all questions of arbitrability, including the scope, validity, formation and enforceability of this Section, except that a court decides the enforceability of the class action waiver in Section 14.4. The arbitrator may award only individual relief and may not award relief for or against anyone who is not a party. Judgment on the award may be entered in any court of competent jurisdiction. Either party may seek temporary or preliminary injunctive relief in the state or federal courts located in Bergen County, New Jersey, to protect intellectual property, confidential information or the security of the Site, and either party may bring an individual claim in small claims court.
14.4 Class action and jury waiver. YOU AND SAREL CAPITAL AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED OR REPRESENTATIVE PROCEEDING, AND EACH KNOWINGLY WAIVES ANY RIGHT TO A JURY TRIAL. If the class action waiver is found unenforceable as to a particular claim, that claim (and only that claim) shall proceed in court in Bergen County, New Jersey, and shall be stayed pending arbitration of all other claims.
14.5 Mass filings. If twenty-five (25) or more similar demands are filed against SAREL Capital by or with the assistance of the same law firm or organization, the AAA Mass Arbitration Supplementary Rules shall apply, the demands shall be resolved in staged bellwether proceedings, and filing fees for unfiled demands shall be deferred until each demand is scheduled.
14.6 Opt out. You may opt out of Sections 14.3 through 14.5 by sending written notice to info@sarelcapital.com within thirty (30) days after you first accept these Terms, stating your name, address, email and that you opt out of arbitration. Opting out does not affect any other provision of these Terms.
14.7 Time limit; fees. Any claim relating to the Site or these Terms must be brought within one (1) year after it accrues or it is permanently barred. Each party bears its own fees and costs except as the arbitrator awards under applicable law, and SAREL Capital will pay AAA fees for an individual claimant where required by the AAA rules.
14.8 Survival; severability. This Section survives termination of these Terms and your use of the Site. If any part of this Section other than the class action waiver is held unenforceable, it shall be severed and the remainder enforced.
15. Accessibility
We are committed to making the Site accessible to people with disabilities. See our Accessibility Statement for details and for how to request assistance or an alternative format.
16. General
These Terms, together with the Privacy Policy and Disclosures, are the entire agreement between you and SAREL Capital regarding the Site. If any provision is held unenforceable, the remainder remains in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms; we may assign them to a successor. Section headings are for convenience only.
17. Contact
SAREL Capital LLC. Phone (201) 815-8574. Email info@sarelcapital.com.
Legal
Privacy Policy
Effective date: September 27, 2026
This Privacy Policy describes how SAREL CAPITAL LLC, a New Jersey limited liability company ("SAREL Capital," "we," "us" or "our") collects, uses, shares and protects information when you visit sarelcapital.com (the "Site"), submit a deal or inquiry, or apply for or obtain a business purpose loan through us. It also contains the privacy notice we provide under the Gramm-Leach-Bliley Act (GLBA) to individuals whose nonpublic personal information we collect in connection with a loan, such as guarantors and principals of borrowing entities.
1. Information We Collect
Information you provide
- Contact information: name, company, email address, telephone number and mailing address.
- Deal and property information: property address and type, purchase price, values, rehab or construction budget, rents, requested loan amount, closing date and documents you upload such as contracts, scopes of work and photos.
- Experience and financial information: track record, entity documents, bank statements, tax returns, credit authorizations, Social Security or taxpayer identification numbers, government identification and other information required to underwrite a loan.
- Communications: the content of emails, messages, calls and text messages you exchange with us.
Information collected automatically
When you use the Site we and our service providers may collect device and usage information such as IP address, browser type, pages viewed, referring pages, date and time stamps and approximate location, using cookies, pixels and similar technologies. These may include standard web analytics services that help us understand how the Site is used. You can control cookies through your browser settings; disabling cookies may affect Site functionality. We do not respond to browser "Do Not Track" signals at this time.
Information from third parties
In connection with a loan request we obtain information from consumer reporting agencies, background and identity verification services, appraisers and valuation providers, flood certification providers, title and insurance companies, public records, and our capital and lending partners.
2. How We Use Information
- To evaluate, underwrite, process, close, fund, sell, assign and service business purpose loans.
- To verify identity, prevent fraud, comply with anti-money laundering, OFAC and other legal obligations, and enforce our agreements.
- To respond to inquiries and communicate with you about your deal, our programs and related services.
- To operate, secure, analyze and improve the Site and our business.
- For marketing of our own services, subject to your right to opt out.
3. How We Share Information
We do not sell personal information. We share information only as follows:
- Capital and lending partners. Third party lenders, correspondent and table funding providers, loan purchasers and their agents who fund, purchase, hold or service loans we arrange.
- Service providers. Credit bureaus, background and identity verification providers, appraisal management companies, flood certification providers, title and escrow companies, insurance providers, document preparation and e-signature vendors, loan servicers, cloud hosting, email, CRM and analytics providers, each of which is permitted to use the information only to provide services to us.
- Legal and safety. When required by law, subpoena, regulatory request or court order, or to protect the rights, property or safety of SAREL Capital, our borrowers or others.
- Business transfers. In connection with a merger, financing, sale of assets or similar transaction, subject to confidentiality.
- With your direction. Such as to a broker, attorney, accountant or partner you ask us to work with.
4. GLBA Privacy Notice for Individuals
Facts: what does SAREL Capital do with your personal information?
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing and requires us to tell you how we collect, share and protect your personal information. |
|---|---|
| What? | The types of personal information we collect and share depend on the product or service you have with us. This can include Social Security number and income, credit history and credit scores, account balances and payment history, and assets and transaction history. |
| How? | All financial companies need to share personal information to run their everyday business. In the section below we list the reasons financial companies can share personal information, the reasons SAREL Capital chooses to share, and whether you can limit this sharing. |
| Reasons we can share your personal information | Does SAREL Capital share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes: to process your transactions, maintain your account, respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes: to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We do not share |
| For our affiliates’ everyday business purposes: information about your transactions and experiences | No | We do not share |
| For our affiliates’ everyday business purposes: information about your creditworthiness | No | We do not share |
| For our affiliates to market to you | No | We do not share |
| For nonaffiliates to market to you | No | We do not share |
How we protect your personal information. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law, including administrative, technical and physical safeguards, encrypted transmission and storage, access controls and secure disposal.
How we collect your personal information. We collect it when you submit a deal or inquiry, apply for a loan, provide guarantor or entity information, or give us your contact information, and from credit bureaus, verification providers and other companies.
Definitions. Affiliates are companies related by common ownership or control; SAREL Capital has no affiliates that share information. Nonaffiliates are companies not related by common ownership or control; we share with nonaffiliates only as described in Section 3 and as permitted by law. Joint marketing is a formal agreement between nonaffiliated financial companies to market products to you; we do not joint market.
Questions? Call (201) 815-8574 or email info@sarelcapital.com.
5. Your Choices
- Marketing emails: use the unsubscribe link in any marketing email or contact us.
- Text messages: reply STOP to opt out at any time.
- Calls: ask us to place you on our internal do not call list.
- Cookies: adjust your browser settings.
6. State Privacy Rights
Depending on where you live, you may have rights under state privacy laws such as the California Consumer Privacy Act as amended (CCPA/CPRA) and similar laws in Colorado, Connecticut, Virginia, Texas, Oregon, New Jersey and other states, including the right to know what personal information we collect, to access or obtain a copy of it, to correct it, to delete it, to opt out of sale, sharing or targeted advertising, and not to be discriminated against for exercising those rights. Information collected under GLBA is generally exempt from these laws. To exercise a right, email info@sarelcapital.com with "Privacy Request" in the subject line or call (201) 815-8574. We will verify your identity before responding and will respond within the time required by law. You may designate an authorized agent to make a request on your behalf. We do not sell personal information and do not share personal information for cross context behavioral advertising.
7. Data Retention and Security
We retain information for as long as needed for the purposes described above, to comply with legal, regulatory and loan file retention requirements, and to resolve disputes. Loan file records are generally retained for at least seven years after the loan is paid off or sold. No method of transmission or storage is completely secure; do not send Social Security numbers or account numbers through the public contact forms. We will provide a secure upload link for sensitive documents.
8. Children
The Site is intended for business users and is not directed to children under 18. We do not knowingly collect information from children.
9. Changes
We may update this Privacy Policy from time to time. The effective date at the top shows when it was last revised. Material changes will be posted on the Site and, where required, provided to you directly.
10. Contact
SAREL Capital LLC. Phone (201) 815-8574. Email info@sarelcapital.com.
Legal
Disclosures and Licensing Statement
Effective date: September 27, 2026
About SAREL Capital
SAREL Capital is the business name of SAREL CAPITAL LLC, a New Jersey limited liability company (NJ Entity ID 0451535156). SAREL Capital arranges and originates business purpose loans secured by non-owner-occupied real estate, including fix and flip, DSCR rental, bridge and ground-up construction loans, for real estate investors, builders and developers.
Business Purpose Loans Only
All loans offered, arranged or made by SAREL Capital are for business, commercial or investment purposes only and are secured by real property that is not, and will not be, occupied by the borrower or any guarantor as a primary or secondary residence. We do not make or arrange loans for personal, family or household purposes. Because our loans are business purpose loans, they are not subject to the federal Truth in Lending Act, the Real Estate Settlement Procedures Act, the Home Ownership and Equity Protection Act or the CFPB Loan Originator Compensation and Ability to Repay rules, and borrowers do not receive the disclosures required for consumer mortgages. Borrowers are expected to be sophisticated commercial parties and are encouraged to obtain independent legal and financial advice.
Licensing
SAREL Capital is not a bank and does not accept deposits. Business purpose loans secured by non-owner-occupied investment property are exempt from residential mortgage lender and broker licensing requirements in most states, including under the New Jersey Residential Mortgage Lending Act and Article 12-D of the New York Banking Law, which apply to loans made primarily for personal, family or household purposes. SAREL Capital does not hold, and is not required to hold, a Nationwide Multistate Licensing System (NMLS) identifier for the business purpose loans it arranges. Where a particular loan or state requires a license that SAREL Capital does not hold, the loan will be originated and closed by a duly licensed lending partner.
Lending Partners and Compensation
References on this website to SAREL Capital "funding" a loan or being "one lender" describe the borrower's experience of dealing with a single point of contact from application through closing and refinance, and do not mean that SAREL Capital funds every loan from its own capital. Loans arranged by SAREL Capital may be funded by third party capital providers under correspondent, table funding or referral arrangements. Depending on the arrangement, the loan may close in the name of SAREL Capital and be assigned to the capital provider at or after closing, or may close directly in the name of the capital provider. SAREL Capital may be compensated by the borrower (origination and processing fees stated in the term sheet and closing statement), by the capital provider (a premium or yield spread based on the rate and terms of the loan), or both. The total compensation paid to SAREL Capital will be disclosed in the loan documents. Loans may be sold, assigned or serviced by third parties after closing.
No Commitment; Terms Subject to Change
Rates, leverage, fees, loan amounts, closing timelines and program availability shown on this website or in any preliminary quote are illustrative, are subject to change without notice, and depend on the property, borrower profile, market conditions, state and capital partner guidelines. No loan is approved until SAREL Capital and, where applicable, its capital partner have issued a written commitment or closed the loan. Term sheets are conditional and expire by their terms.
Equal Credit Opportunity
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. SAREL Capital and its lending partners comply with ECOA and applicable state fair lending laws in all business purpose credit decisions.
Lending Areas
SAREL Capital arranges loans nationwide subject to lending partner availability and state law. Not all programs are available in all states, and certain states are excluded by our lending partners. Contact us with the property address to confirm availability before relying on any program.
Texting and Calls
Calls may be monitored or recorded for quality and compliance purposes. By submitting your telephone number you agree that we may call you about your inquiry. Text messages are sent only if you have opted in by checking the text consent box; you may opt out at any time by replying STOP. Consent to texts is not a condition of any loan.
Website Content
Examples, case studies, testimonials and illustrative numbers on this website are provided for information only and are not a guarantee of results. Past performance of any borrower or property is not indicative of future results.
Complaints
If you have a complaint about SAREL Capital, please contact us at (201) 815-8574 or info@sarelcapital.com. We will acknowledge your complaint within five business days.
Legal
Accessibility Statement
Effective date: September 27, 2026
Our Commitment
SAREL Capital is committed to ensuring that our website, sarelcapital.com, and the services we provide through it are accessible to people with disabilities, including people who are blind or have low vision, people who are deaf or hard of hearing, people with limited mobility or dexterity, and people with cognitive disabilities. We want every investor, builder and developer to be able to learn about our loan programs, submit a deal and communicate with our team independently and with dignity.
Standard
We aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 at Level AA, published by the World Wide Web Consortium (W3C), and to the accessibility requirements of the Americans with Disabilities Act. These guidelines explain how to make web content more accessible to people with disabilities and more usable for everyone.
What We Have Done
- Semantic HTML structure with a logical heading order, page landmarks and a skip to content link.
- Full keyboard operability of menus, forms, accordions and buttons, with visible focus indicators.
- Text alternatives for images, logos and icons, and descriptive link text.
- Form fields with programmatic labels, clear instructions, error messages announced to screen readers and errors identified in text, not by color alone.
- Color contrast that meets or exceeds WCAG AA ratios in both light and dark themes.
- Text that can be resized up to 200 percent and layouts that reflow on mobile devices without loss of content.
- No content that flashes more than three times per second, and animations that respect the reduced motion preference.
- Documents provided in accessible formats on request.
Ongoing Effort
Accessibility is an ongoing effort. We review the website regularly using automated tools and manual testing with keyboard navigation and screen readers, and we address issues as they are identified. Third party content and tools linked from our site, such as social media platforms, may not be fully accessible, and we encourage those providers to improve their accessibility.
Need Help or Want to Report a Problem
If you experience any difficulty accessing any part of our website, need any information in an alternative format such as large print, accessible PDF, plain text or audio, or would prefer to submit a deal or complete any step of the loan process by phone, email or in person, please contact us. We will work with you to provide the information or service you need through a method that is accessible for you.
- Phone: (201) 815-8574
- Email: info@sarelcapital.com (put "Accessibility" in the subject line)
Please describe the problem you encountered, the page or feature involved and the assistive technology or browser you were using, if known. We aim to respond within two business days.
Feedback
We welcome feedback on the accessibility of our website. Your input helps us improve the experience for everyone.