Check your fit
Georgia-first capital for real estate operators

CAPITAL

Over 100 flips taught me what a capital partner should feel like. Now I am opening those relationships to a select group of Georgia operators.

Check your capital fit →
0+
Completed flips
~0
Atlanta units
Millions
Raised in private capital
Your preliminary Capital Snapshot

What are you working on?

Answer a few questions and see which capital path may fit your project. No account, no contact details, no document uploads.

What type of project is it?
Question 1 of 3 · quick preview
Deal memoPreliminary
ProjectPending
LocationPending
Track recordPending
Capital pathReads after 3 answers
A preliminary read, not an approval or an offer. Full review happens on the complete file.
Brittany BellFounder · The Capital Desk · Atlanta, GA
The operator behind the desk

I have sat on your side of the closing table.

Lender calls at the eleventh hour, title surprises, renovation budgets meeting reality, markets turning mid-project. I have operated through all of it, more than a hundred times. That is the experience reviewing your file, so the questions you get are the ones that actually matter to the deal.

2021Bell Acquisitions founded in Atlanta
100+Fix-and-flips completed as the operator
~140Units built into the Atlanta portfolio
$19.4MReal estate portfolio under management
MillionsRaised across private capital relationships
TodayThose relationships, opened to Georgia operators

You are not applying to another faceless lender. You are starting a capital relationship with an operator who knows what it takes to execute.

Capital paths

The right capital for where you are now, and where you are going next.

Preparing for your first project, scaling an established operation, leveraging existing equity, or pursuing a larger opportunity, The Capital Desk helps identify the path that fits the operator and the deal.

Which best describes you?

Newer operators building their track record: a first deal, one or two exits, or a credit profile that calls for a project-focused review. We evaluate what the deal can become, not only what you have already done.

  • First deal, or one to two completed exits
  • Strong acquisition with a realistic renovation plan
  • Credit worked through project economics and collateral
  • The first stage of a long-term capital relationship
Explore Operator One →
Potential leverageProgram terms
Up to 90% of eligible purchase price plus up to 100% of eligible renovation costs

Not a guarantee; final financing depends on the full review of each file. Disclosures.

Experienced Georgia operators with three or more verified exits, clear numbers, and a real exit strategy. Built to get faster with every completed project.

  • Fix-and-flip purchase and renovation
  • Georgia projects prioritized
  • Qualified Georgia transactions may move as soon as title clears
  • Repeat submissions get streamlined
Explore Operator Pro →
Potential leverageProgram terms
Up to 100% of eligible total project cost

Includes eligible purchase and renovation costs. Not a guarantee; final leverage depends on the full review of each file. Disclosures.

Operators with real estate equity that should be working: credit lines, gap capital, cross-collateral structures, and lower cash to close on strong projects.

  • Real-estate-backed lines of credit
  • Gap and portfolio capital
  • Cross-collateralized acquisitions
  • Reducing cash required at closing
Explore EquityFlex →
Potential leverageProgram terms
Leverage based on your available equity, up to 70% combined loan-to-value

Structures are reviewed and shaped case by case. Certain lien structures are subject to legal and capital-source approval. Disclosures.

Operator One

Best for
Operators building a track record
Experience
Fewer than 3 exits
Potential structure
Up to 90% purchase plus up to 100% eligible renovation
Geography
Georgia priority

Operator Pro

Best for
Experienced operators
Experience
3+ verified exits
Potential structure
Up to 100% of eligible total project cost
Geography
Georgia priority

EquityFlex

Best for
Owners with available real estate equity
Experience
Varies
Potential structure
Real-estate-backed and cross-collateral structures
Geography
Select markets

All potential financing structures are subject to property review, borrower qualifications, experience verification, title, valuation, documentation, underwriting, available capital, and final approval. See disclosures.

The launch campaign · The Operator 10

I am not looking for 1,000 borrowers. I am looking for 10 operators I can fund repeatedly.

Going into Q4, I am identifying approximately 10 reliable Georgia operators who consistently find opportunities, understand their numbers, communicate well, and finish what they start. Some may already qualify for Operator Pro. Others may begin with Operator One and build their track record with us. The goal is a long-term relationship where the capital process gets more seamless with every completed project.

Now reviewing Georgia operators
Put your name on the Desk →See what we are looking for →
How the relationship works

Three steps, and the third one compounds.

01

Tell us what you are working on

Complete the Capital Snapshot. Eight questions, about a minute, no account and no document uploads.

02

We identify the capital path

Your project may fit Operator One, Operator Pro, or EquityFlex. You see the preliminary fit immediately.

03

Build a repeatable relationship

After the first completed transaction, submissions get faster: saved documents, saved track record, conversations that start from trust.

See the full process →
From the underwriting desk

What files on this desk look like.

Illustrative file 01Example only

Newer operator

Completed exitsFirst or second project
Purchase$250,000
Renovation$75,000
Total project cost$325,000
Potential Operator One fit
Illustrative file 02Example only

Experienced Georgia operator

Completed exitsThree or more
Purchase$325,000
Renovation$100,000
Total project cost$425,000
Potential Operator Pro fit
Illustrative file 03Example only

Portfolio owner

CollateralMultiple properties with equity
NeedAcquisition line of credit
StructureCross-collateral or LOC
Potential EquityFlex fit

Illustrative scenarios only, not offers, quotes, or actual transactions. Every file is subject to underwriting, valuation, title review, documentation, and available capital. See disclosures.

For referral partners

Your client found the deal. Let’s help them keep it moving.

When a traditional lender cannot move fast enough or a file needs a more flexible structure, send it to the desk. Your client gets a straight answer quickly, and you look like the person who knew where the capital was.

Become a Capital Desk partner →
  • Wholesalers
  • Investor-focused agents
  • Closing attorneys
  • Title companies
  • Contractors
  • Property managers
  • Commercial brokers
  • Other lenders
Georgia deal flow, street by street
The next step

Have a deal on your desk?

Tell us what you are working on. We will help identify the capital path that may fit.

Start my Capital Snapshot →See how the process works →

A Capital Snapshot is a preliminary read, not an approval, a denial, or a commitment to lend. All financing is subject to underwriting, valuation, title review, documentation, and available capital.