Smart Capital Funding is a Lakeland, Florida Hard Money Lender that specializes as a Direct Lender. They offer private loans in West Central Florida for real estate investors. The program includes loans from $30K to $1 million, required first place lien holder position, purchase, finance or rehab loans, non-owner occupied loans, multi-family loans, office loans, no minimum FICO score, funding in as few as seven days, interest rates from 10% to 13%, interest-only loans, 65% LTV, three-month to five-year loan terms, one to two week closings, two to four residential units, 50% LTV for Condos, 60% LTV for townhomes, 60% LTV for apartments, 60% LTV for multi-family complexes and 60% LTV for office buildings.