Private Capital. Terms in 24 Hours.
Direct lender for real estate investors, developers, and established businesses. We review every deal personally and respond within one business day.
When Banks Say No,
We Say How Much.
We lend our own capital. No committees, no waiting, no runaround.
Direct Lender
We deploy our own capital. No approval chains, no committee delays. When the deal is ready, we fund it.
24-Hour Response
Every inquiry gets a personal review within one business day. Clear terms or a straight answer, fast.
Asset-Based Underwriting
We underwrite the collateral and the deal, not your tax returns. If the asset is solid, we move forward.
Flexible Structuring
Bridge, construction, rental, rehab, or receivables. Each loan structured around the deal, not a template.
Investors, Developers,
and Business Owners.
If the collateral is there and the deal makes sense, we want to see it.
Real Estate Investors
Fix and flip, BRRRR, buy and hold, value-add. From single-property deals to portfolio expansion.
Developers and Builders
Ground-up construction, land development, large-scale rehab. We understand build timelines and structure accordingly.
Business Owners
Working capital secured by receivables or commercial property. Quick decisions, no bank bureaucracy.
From Inquiry to Funded
in Three Steps.
No drawn-out application. No committee delays. We move at the pace of the deal.
Submit Your Deal
Five quick questions about your collateral, loan size, and use of funds.
Personal Review & Terms
Every deal reviewed personally. You get clear terms, a question, or a straight answer.
Close & Fund
Once terms are agreed, we move to closing. Our capital is ready. Same-day to a few days on clean deals.
Example Deal Structures.
Representative scenarios showing how we typically structure loans across product lines. Every actual deal is sized and structured around its own specifics.
8-Unit Multifamily, Fast Close
Borrower needed to close before the seller backed out of a contested deal. We funded the bridge while they finalized the permanent refinance with a community bank. Interest-only payments through the term, first-lien on the property.
Single-Family Rental Refi
Buy-and-hold investor refinancing out of an acquisition loan into long-term DSCR hold. Qualified on the property's rent against debt service. No personal income docs required. Investor was expanding past conventional 10-loan caps.
4-Unit Spec Build, Florida
Developer building spec residential inventory. Draw schedule structured around foundation, framing, dry-in, and finishes. Interest reserves built in to cover the construction period. Exit to sale at completion.
Investment Property Recap
Investor with substantial equity in an investment SFR refinanced the existing loan and pulled cash out to fund the next deal. First-lien position, no W-2 docs required, structured around the borrower's hold plan.
Illustrations are representative of how we structure loans. They are not specific borrower endorsements. Every deal is reviewed and structured individually.
Loan Products
Ten product lines across residential, commercial, and business capital. Click any product for detailed terms and use cases.
Bridge Loans
Short-term capital between acquisition and permanent financing.
Fix & Flip
Acquisition and renovation financing for flippers and operators.
DSCR, Long-Term Rental
Rental property financing qualified on cash flow, not personal income.
DSCR, Short-Term Rental
Financing for Airbnb and vacation rental properties.
Ground Up & Land Development
New construction and land development financing with milestone draws.
Rehab for Buy & Hold
Renovation capital for investors building rental portfolios.
Home Equity, Investment
Pull equity from investment properties you already own.
Foreign National Loans
Financing for non-US citizens investing in American real estate.
Refinance, Investment
Refinance existing debt for better terms, equity out, or both.
Working Capital, Receivables
Business capital secured against accounts receivable.
Most loans are business-purpose, secured by real estate or receivables. Every deal evaluated individually.
Private Capital,
Personally Deployed.
AMS Capital Solutions is a direct private lender based in South Florida. We deploy our own capital across the United States, secured by real estate and business receivables. Every loan is personally underwritten. We close what we commit to. That is the entire model.
We compete on speed, certainty, and reliability.AMS Capital Solutions, South Florida
- Independent third-party appraisals on every property
- Full title insurance at closing
- Interest reserves collected upfront
- OFAC and background screening on every borrower
- Conservative underwriting on every deal
FAQ
Quick answers to the things borrowers ask most. If your situation is unusual, send it anyway.
Don't see your question? Reach out directly. We respond to every inquiry within one business day.
Ask Us AnythingReal estate (residential investment, commercial, mixed-use, land) and business receivables. We work in first lien position on most deals. If your situation is non-standard, send it over and we'll evaluate.
Clean deals can close same-day or within a few days. Most loans close in days, not weeks. We control our own capital, so no outside approval committees slow things down. Closing speed depends on how clean the documentation and title are.
We work with LTVs typically up to 80%. Our ideal range is 50% to 65%, where most of our deals sit, but we evaluate every deal individually. Strong collateral, deal economics, or borrower factors can flex this. Properties require an independent third-party appraisal.
Most of our borrowers come in with FICO scores of 670 or higher, which gives us flexibility on rate and terms. We still review every applicant. Borrower strength factors beyond credit also matter, and we look at the full picture.
Yes. Based in South Florida, funding across the country. Quality of collateral and strength of deal matter more than geography.
Yes. We finance non-US citizens investing in American real estate. Underwriting is asset-based and adapted for cross-border borrower profiles.
See where your deal lands.
Enter the property value and loan amount needed. We'll show you the LTV instantly. We typically work with LTVs up to 80%, with our ideal range in the 50% to 65% band. Submit anything you'd like us to look at, we evaluate every deal individually.
Tell Us About
Your Deal.
Five quick questions. We'll review personally and respond within one business day.
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amscs@licenseprousa.com
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South Florida, lending nationwide
Submit Your Deal
Five steps. About 60 seconds.
We've got your deal.
Thanks for the details. We'll review and reach out within one business day with next steps or a straight answer.