Kovo Capital is a privately held real estate finance firm specializing in commercial and investment real estate. We help investors, developers, and business owners secure tailored financing for acquisitions, refinances, construction, and value-add projects across various asset classes.

Our deep market knowledge and lender relationships allow us to deliver creative capital solutions—ranging from bridge loans and SBA real estate loans to ground-up construction financing. At Kovo Capital, we are committed to making real estate deals possible with speed, transparency, and a client-first approach.

Kovo Capital focuses on commercial real estate financing. We help real estate investors, developers, and business owners secure funding for property acquisition, construction, refinancing, and value-add projects through our network of commercial lenders.

• Commercial Real Estate Loans – For the purchase or refinance of income-producing commercial properties

• Bridge Loans – Short-term financing for acquisitions, rehabs, or time-sensitive closings

• Ground-Up Construction Loans – For new development projects including multifamily, mixed-use, and commercial builds

• SBA 504 & 7(a) Loans – Long-term, fixed-rate financing for owner-occupied commercial real estate

• Rental DSCR Loans – For 1–8 unit rental properties, qualified based on rental income (not personal income)

• Fix & Flip Loans – Short-term capital to purchase and renovate residential or small multifamily properties

We base our approvals on the quality of the property, the experience of the borrower, and the overall likelihood that the project will be successful. While we do review credit history, it is not the primary component of our decisions, and many borrowers with damaged credit are able to be approved.

At the beginning of the loan process, we will typically ask for much of the same documentation that a bank would require; however, unlike a bank, we don’t ask for this documentation to look for reasons to say “no”. We use common-sense underwriting principles to examine the character, experience, and capacity of each borrower, and have flexibility in our documentation requirements. Your online pre-approval letter will contain the list of documentation requirements applicable to your loan request.

The subject property you are requesting a loan for will be used as the collateral.

A hard money loan is a loan acquired through a private lender instead of through a traditional bank. Hard money loans are typically asset based, which means our primary focus when determining a loan amout is based mostly on the value of the collateral itself.

Here are several reasons to consider partnering with Kovo Capital

• Comprehensive Financing Options: Kovo Capital offers a variety of loan programs, including Commercial Real Estate, Rental Property Loans, Ground-Up Construction, and Fix N Flip/Bridge Loans, designed to meet diverse investment needs. ​kovocapital.com+1kovocapital.com+1

• Streamlined Application Process: Their technology-driven platform simplifies the loan application process, enabling quick pre-qualification without hard credit checks and facilitating faster closings compared to traditional banks. ​kovocapital.com

• High Leverage and Competitive Rates: Kovo Capital provides up to 90% Loan-to-Cost (LTC) financing, allowing clients to preserve their capital while benefiting from flexible loan options and competitive interest rates. ​kovocapital.com

• Client-Centric Approach: With decades of industry experience, Kovo Capital is committed to delivering personalized service, understanding each client’s unique project requirements, and offering customized solutions to optimize investment opportunities. ​kovocapital.com

• Expertise in Small Business Lending: Their team possesses extensive knowledge in small business financing, including SBA loans and equipment financing, aiming to support business growth and success. ​

No broker fees are charged upfront. Certain third-party costs like appraisals or inspections may be required depending on the loan type.

Kovo Capital is paid only when your loan successfully funds. Our compensation is typically built into the lender’s fee structure at closing.

Submit an inquiry or schedule a consultation through our website. We’ll review your deal, request supporting documents, and begin sourcing options from lenders that fit your profile.