Overview
Genesis Capital (a Goldman Sachs portfolio company) operates on larger-scale residential investor lending with institutional underwriting.
Genesis Capital is based in Sherman Oaks, CA and was founded in 2007. They operate nationally and offer fix-and-flip, bridge, rental, new-construction financing. Their loan amount range runs from $100K to $7.5M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, bridge, rental, new-construction |
| Geographic coverage | National |
| Loan size | $100K – $7.5M |
| Interest rate range | 9.5% – 12% |
| Origination points | 1 – 3 |
| Max LTV | 75% of ARV |
| Max LTC | 85% of cost |
| Term lengths | 12-24 months |
| Typical close time | 10-21 days typical |
Strengths
- large transaction capacity
- institutional-quality underwriting
Ideal borrower
Larger-scale investor with $1M+ deal sizes
How Genesis Capital compares for Chicago investors
For Chicago metro investors specifically, Genesis Capital operates as one of multiple national options — competitive on broad product menus but local Chicago lenders sometimes win on relationship and close speed. As an institutional non-QM lender, their underwriting is templated and predictable — fast for experienced borrowers, less flexible for non-standard deals.
Common alternatives in Chicago
- Renovo Financial — Chicago-based, deepest local knowledge
- Kiavi — Tech-forward national leader
- Lima One Capital — Broad product suite, BRRRR-friendly
- Easy Street Capital — STR-DSCR specialist
Genesis Capital FAQ
Yes — Genesis Capital operates nationally and regularly funds Chicago-area deals
Genesis Capital's indicative rate range is 9.5%–12% with 1–3 points. Pricing depends primarily on funded-deals history, deal leverage, and exit certainty.
Genesis Capital's typical minimum loan is $100K, with maximum loan size up to $7.5M.
Genesis Capital's typical close timeline is 10-21 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Genesis Capital offers fix-and-flip, bridge, rental, new-construction financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Larger-scale investor with $1M+ deal sizes
This review is an independent directory listing. Hard Money Chicago is not affiliated with Genesis Capital. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.