Our Story

Capital Built
By Investors

Simply Capital was founded on a simple premise: real estate investors deserve a lending partner who moves at the speed of opportunity — one that speaks the language of deals.

$0B+
Loans Funded
across the nation
0 Days
Average Close
from approval
0+
Deals Closed
and counting
0+
States Active
nationwide lending
0%
Repeat Clients
industry-leading retention
Our Mission

Making Private Capital
Simply Accessible

We started Simply Capital because we lived the problem. As investors ourselves, we knew what it felt like to have the right deal, the right timeline, and the wrong lender. Bureaucratic delays. Hidden fees. Loan officers who didn't understand real estate.

So we built the lender we wished existed — one that operates with urgency, communicates clearly, and genuinely cares whether your deal closes.

Work With Us

Speed Without Compromise

Every day matters in real estate. We built our process around fast decisions and faster funding — without cutting corners on diligence.

Direct Lending

We are the bank. No brokers, no committees, no middlemen. Your loan officer has authority to make decisions.

Investor-First Mindset

Our team is made up of investors and former real estate operators. We understand your deal because we've been in your shoes.

Transparent Terms

No surprises at closing. What we quote is what you get. Our term sheets reflect actual loan terms, not teaser rates.

Our Journey

A Decade of Execution

2015

Simply Capital founded with focus on bridge lending in the Southeast.

2017

Expanded nationally, reaching 15 states and $100M in cumulative originations.

2019

Launched DSCR and construction lending programs. Surpassed $500M funded.

2021

Secured institutional capital facility, enabling larger loan sizes up to $50M+.

2023

Crossed $2B in total originations across 30+ states.

2024

Expanded ground-up development lending and multifamily programs nationwide.

The Team

Led by Experienced Practitioners

Our team brings decades of combined experience in real estate, lending, and capital markets — and we're all investors too.

J

James Thornton

CEO & Co-Founder

15+ years in real estate finance. Former VP at a national private equity firm before co-founding Simply Capital.

A

Allison Reed

Chief Credit Officer

Underwritten $1B+ in commercial and residential real estate loans. Brings institutional discipline to private lending.

M

Michael Chen

Head of Capital Markets

Manages institutional funding relationships ensuring Simply Capital maintains competitive rates and ample loan capacity.

S

Sarah Nobile

Senior Loan Officer

10 years structuring complex bridge and construction loans. Known for creative deal structuring on challenging transactions.

Why Simply Capital

The Unfair Advantage
for Your Portfolio

Direct lender, not a broker
Term sheets in 24 hours
Close in 5–10 days
No income verification
Asset-based underwriting
No prepayment on most programs
Dedicated loan officer
Competitive institutional pricing
Up to 90% LTV/LTC
$2B+ funded track record
S

Ready to Partner?

Join over 1,500 investors who trust Simply Capital for their private lending needs. Submit your first scenario today.

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