Questions.
Straight answers about how the Desk lends, what a Capital Snapshot actually is, and how we handle your phone number.
About the capital
Who actually funds the loan?
Bell Acquisitions, LLC. We lend our own capital and we are the lender of record on the transaction. We are not a broker, we do not shop your file to other lenders, and we are not paid to place your deal somewhere else.
What kind of projects do you fund?
Business-purpose investment property projects: acquisitions, renovations, and value-add work by real estate investors and flippers. These are business-purpose transactions, not owner-occupied consumer loans.
Where do you lend?
Georgia. If your project sits outside our lending area, we will tell you that plainly rather than keep you waiting.
Is a Capital Snapshot an approval?
No. A Snapshot is a preliminary estimate, not an approval, a denial, or a commitment to lend. Every file gets a manual human review, and nothing is final until underwriting is complete.
The process
How do I start?
Run the Capital Snapshot. It is eight questions and takes about a minute, and it does not require an account.
What happens after I submit?
We review whether the project fits Operator One, Operator Pro, or EquityFlex, and you should receive an initial fit response within one business day. Georgia opportunities are prioritized.
What will you need from me?
Deal details that sharpen the preliminary range: your purchase price, renovation budget, and after-repair value, plus enough on your track record for us to understand the project.
Do you make automatic decisions?
No. A person reviews every file. No message or form response from us states or implies an automatic approval or denial.
Texts and communication
Will you text me?
Only if you ask us to. You opt in by checking the text consent box on the Capital Snapshot or on our opt-in page, or by calling or texting our business number first.
Do I have to agree to texts to work with you?
No. Consent to receive text messages is never a condition of any service we provide. We review your request either way.
What will you text me about?
The status of your own file, requests for documents or deal details, scheduling, and replies to questions you send us. We do not send unrelated marketing texts.
How do I stop the texts?
Reply STOP to any message from us and we will stop, and you will get one confirmation that no further messages will be sent. Reply HELP to any message for help. Message frequency varies and message and data rates may apply.
Will you share or sell my phone number?
No. We never share or sell your mobile information or your messaging consent to third parties or affiliates for their marketing.
Working with the Desk
Do you take referrals from other professionals?
Yes. Wholesalers, investor-focused agents, closing attorneys, title companies, contractors, property managers, and other lenders send us files. When we take one, we fund it ourselves. Referring a deal to us does not make anyone our agent, and we do not text anyone who has not asked us to.
Who do I contact with a question?
Email lending@bellacquisitions.co, the Capital Desk borrower mailbox, with anything about your file, your messages, or these answers.
Ready to start? Run a Capital Snapshot, or ask us to text you updates. See our privacy policy, messaging terms, and disclosures.