Private capital for experienced real estate investors and established businesses. Bridge, fix & flip, DSCR, ground up, and receivable-based loans — reviewed and responded to within 24 hours.
We lend our own capital. No committees, no waiting, no runaround.
We control our own capital, so there's no approval chain. When your deal is ready, we fund it.
We underwrite the collateral and the deal — not your tax returns. If the asset is solid, we move forward.
Bridge, construction, rental, rehab, or receivables — we structure each loan around the deal, not a one-size-fits-all template.
Based in South Florida, funding deals across the country. Good collateral is good collateral — geography doesn't change that.
We work with borrowers who know what they're doing. If the collateral is there and the deal makes sense, we fund it.
Fix-and-flip, BRRRR, buy-and-hold, value-add — if you have a track record and the collateral supports it, we fund it fast.
Working capital secured by receivables or commercial property. Quick decisions, no bank bureaucracy.
Ground-up construction, land development, large-scale rehab. We understand build timelines and structure accordingly.
No drawn-out application. No waiting game. Three steps from inquiry to funding.
Answer a few quick questions about your collateral, LTV, and credit score. Takes 60 seconds.
Every deal is reviewed personally. You'll hear back within one business day with clear terms or a straight answer.
Once terms are agreed, we move to closing. Our capital is ready — most deals close within 1-2 weeks.
All loans secured by real estate or receivables. First lien position. Business purpose only.
Short-term capital between acquisition and permanent financing. Close fast while you line up your exit.
Acquisition and renovation financing for experienced flippers. Fast close so you don't lose the deal.
Financing for Airbnb and vacation rental properties. Qualified on the property's rental income, not yours.
Traditional rental property loans. Underwritten on rental cash flow — no personal income docs required.
New construction and land development financing. We understand build timelines and draw schedules.
Renovation capital for investors acquiring and rehabbing properties to hold in their rental portfolio.
Pull equity from investment properties you already own. No need to sell or go through a bank refi.
Financing for non-US citizens investing in American real estate. Same underwriting standards apply.
Refinance existing debt on investment properties. Better terms, equity out, or both.
Business capital secured against your accounts receivable. Get funded against what you're already owed.
All loans are business-purpose and secured by real estate or receivables in first lien position.
We don't just promise speed — we deliver it.
"I had a 6-unit under contract and my conventional lender kept dragging their feet. AMS got me a term sheet the next day and we closed in 12 days. That deal would've fallen apart without them."
"Bank pulled out three days before closing on a flip I had locked up. Reached out to AMS, had a term sheet the next day, and we closed the following week. That's all I needed to know about who I'm working with going forward."
"I've used a lot of private lenders. Half of them quote you one thing and change terms at the last minute. With AMS, the terms I got on day one are the terms I closed with. Done three deals with them now, no reason to go anywhere else."
AMS Capital Solutions is a direct private lender based in South Florida. We lend our own capital to real estate investors and businesses nationwide, secured by real property and receivables. Over $10 million deployed. Every loan personally reviewed. We close what we commit to — that's the entire model.
We compete on speed, certainty, and reliability.AMS Capital Solutions — South Florida
Founded by Arthur Steinberg with decades of lending experience. Conservative underwriting, one simple principle: if the collateral is solid and the deal makes sense, we fund it.
Quick answers to the things borrowers ask most.
Don't see your question? Reach out directly — we respond to every inquiry within one business day.
Ask Us AnythingWe primarily lend against real estate (investment and commercial properties) and business receivables. All loans are in first lien position. We do not lend against primary residences or make unsecured loans.
We can close in as little as a few days for straightforward deals with clean documentation. Most loans close within 1-2 weeks. We control our own capital, so there are no outside approval committees slowing things down.
Our maximum loan-to-value ratio is 65%. All properties require an independent third-party appraisal. We collect interest reserves upfront at closing, which further protects both the borrower and our capital.
We require a minimum FICO score of 670. This is driven by our institutional requirements. All borrowers also undergo a standard background check and OFAC screening.
Yes. We're based in South Florida but fund deals across the country. What matters is the quality of the collateral and the strength of the deal — not geography.
Yes. We offer financing for non-US citizens investing in American real estate, provided the deal meets our standard underwriting criteria for collateral, LTV, and credit.
Quick qualifying questions first. If your deal fits, submit your details and we'll respond within one business day.
Quick qualifying check, then your deal details. Takes 60 seconds.
Based on what you've told us, this deal doesn't meet our current lending criteria.
If you think there's more to the story or your situation is unique, email us directly at amscs@licenseprousa.com.