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At Juniper Capital, every loan we fund starts as a conversation. We listen to each of our borrowers to create a custom funding solution that makes all parties successful. At Juniper, you will work with an experienced loan officer who will walk you through each step of the underwriting and financing process. From loan inquiry to funding the process most commonly takes 10-14 days, however, we have funded loans in as few as 3 days.

Contact Juniper Capital today to request an estimate or to ask any questions regarding your property or loan scenario. Experience the ease, creativity, and speed of Juniper Capital.

Frequently Asked Questions
About Northwest Private Lending

The below Frequently Asked Questions introduce the Juniper Capital loan process, but call us today to begin a conversation tailored to your unique needs and project.

What Loan Programs do you offer?

Juniper Capital is a full service commercial real estate lender. Our loan programs include:

  • Commercial refinance and purchase
  • Investment residential refinance and purchase
  • Multifamily refinance and purchase
  • Construction
  • Land/development
  • Fix and Flip/Short Term Investment Residential
Where do you lend?

We are located in Issaquah Washington and focus our lending on Washington and the Puget Sound Region. We fund loans across the Pacific Northwest in Washington, Oregon and Idaho. Currently, our Oregon and Idaho investment residential loans are limited to multi-family properties with five or more units.
Additionally, we will consider commercial loans in Colorado and Salt Lake City, Utah.

What types of property do you lend on?
  • Commercial (retail, office, industrial, hospitality)
  • Multi-Family
  • Investment Residential
  • Land
How do I apply for a loan?

Fill out our online application or give one of our experienced loan officers a call today to start the conversation. Each loan scenario is unique and we believe in a personalized approach to each transaction. At Juniper we aim to sit on the same side of the table as our borrower and get to know your individual needs in order to help make your project a success.

What are you maximum/minimum loan amounts?

We fund loans starting at $100,000 up to $10,000,000.

What are your terms?

Our loan terms are highly dependent on the individual deal. While everything is negotiable, our key terms generally fall within the following ranges:

  • Loan Term: 6-36 Months
  • Rate: 8.00-10.00%
  • Loan Fee: 2.00-4.00%
What do you need from me to start the loan application process?

At Juniper we try not to bury borrowers in document requests and red tape. To start the loan process we will need the following:

  • Property Information/Purchase and Sale Agreement (if purchase loan)
  • Personal Financial Statement
  • Two years personal tax returns
  • Two years business tax returns (if applicable)
  • Two years P&L Statements (if applicable)
  • Recent Credit Report (at Juniper we ask you pull your own credit using Freecreditkarma.com or a similar service– we won’t make a hard inquiry on your credit)
How quickly can you close?

We can generally fund loans of all sizes in 1-3 weeks. However, we understand that speed is extremely important in a competitive real estate market and have funded loans in as few as 2 days.

Do you charge upfront fees?

No. We believe you shouldn’t pay for a loan until the lender performs. The only upfront cost to our borrower may be the cost of a valuation, paid directly to the valuing agent.

Are there prepayment penalties?

Prepayment penalties are contingent on the specifics of your loan. Generally, we do not charge a prepayment penalty, but in some cases may require an interest minimum.

Does my credit matter?

We are property-centric lender, however, credit is taken into consideration as part of our underwriting process.

Do you require an appraisal?

No. We never use appraisals. Instead we will require a Broker’s Opinion of Value (BOV) from a real estate broker of our choosing. BOVs are significantly faster and less expensive than appraisals.

What sort of down payment do you require on purchases?

Each loan scenario is unique, so give us a call to discuss available options. Generally, 25-35% down is required, but exceptions may be made in some cases and we are willing to consider additional collateral in lieu of a down payment.

What loan-to-value are you looking for?

Our target loan-to-value for most loans is 65%, but every scenario is unique and may call for a different approach. Our goal is to be creative and open-minded to produce the best possible loan.