Funding

Clontz Capital underwrites deals the way you see them—based on asset value, exit strategy, and speed-to-close. No suit-and-tie banking drama.

Clontz Capital

Clontz Capital is a family-owned private lending firm founded in 2020 by brothers Ryan and Tyler Clontz. Headquartered in River Bluff, Kentucky, the company provides non-traditional real estate financing to investors across the United States. With a focus on flexibility, speed, and investor-centric service, Clontz Capital tailors its loan products to meet the diverse needs of real estate professionals.

What They Offer

Clontz Capital specializes in a range of loan products, including:

Commercial Loans

For multifamily, office, industrial, retail, hotel, and special-purpose properties. Loans start at $1 million with access to 300+ lenders for acquisitions, refinancing, and new construction.

Residential Ground-Up Construction Loans

Designed for experienced builders developing single-family homes, 1–4 unit properties, or townhomes. Offers up to 90% Loan-to-Cost and 75% Loan-to-After-Repair-Value, with flexible underwriting.

Residential Fix-N-Flip Loans

Tailored for seasoned investors focused on renovation projects. Loan amounts from $75K to $4M with advanced rehab draws and no income or asset verification required.

Residential Rental Loans

Financing for long- and short-term rental properties including condos and townhomes. Up to 80% LTV and options for fixed, adjustable, or interest-only terms.

Streamlined Loan Process

Clontz Capital offers a 4-step loan process:

  • Consultation Call – Discuss your project with a loan officer.

  • Application – Submit required documents and deal specifics.

  • Underwriting – Get final approval on the loan terms.

  • Closing – Secure funding and move forward with your investment.