Completed premium mixed-use development with limestone colonnade in bright daylight

Real Estate Credit

JB Capital underwrites real estate credit where the asset is real, the sponsor is known and structure matters.

Capital for Experienced Developers and Investors.

JB Capital lends against real assets to experienced sponsors — principal balance underwriting, sheet in every commitment, senior team decision making and structures written specific to each transaction. From ground-up construction to construction completion to loan portfolio acquisitions, every engagement is underwritten to the specifics of the asset, the market, and the sponsor's plan.

Credit Criteria

One Underwriting Standard,Across Asset Classes.

JB Capital serves developers, owner-operators, and institutional sponsors — underwriting construction, completion, repositioning, and loan portfolio acquisitions directly.

Residential Development

Residential Development

Multi-Family, Single Family Residential, Build-to-Rent, Condominium, Horizontal Development

Commercial Development

Commercial Development

Logistics & Distribution Centers, Industrial Facilities, Data Centers, Self Storage, Hospitality, Anchored Shopping Centers

Marquee Assets

Marquee Assets

Loan Portfolios, Irreplaceable Assets, Turnarounds

Premium limestone and bronze building entrance in warm golden-hour light
Loan Structures

Loan Structures Written To The Transaction

Every commitment is written to the transaction. The framework below defines where the firm engages.

Premium limestone and bronze building facade
Loan Size
Up to $100MM+
Loan Term
1 — 5 Years
Loan Structure
Senior · Mezzanine · Preferred · Hybrid
Guaranty
Recourse · Non-Recourse · Standard Carveouts
Geography
US · Western EU (Limited)
Execution
30 Days from Term Sheet
Process

Our Process

The same senior team carries every transaction from first conversation through funding — with the certainty and speed that principal capital allows.

  1. 01

    Inquiry

    A conversation or completed application begins the process.

  2. 02

    Pre-Screen

    Response within two business days.

  3. 03

    Term Sheet

    Structure and pricing presented clearly.

  4. 04

    Diligence

    Senior team directly engaged.

  5. 05

    Approval

    Decisions made by the people you've worked with.

  6. 06

    Funding

    Close according to the committed timeline.

Begin

Let's Start The Conversation.

Every real estate financing inquiry is reviewed directly by senior decision-makers. The firm responds within two business days.

JB Capital

Institutional capacity.
Boutique accountability.

Scottsdale
Scottsdale, AZ 85258(425) 454-8575
Bellevue
Bellevue, WA 98004(425) 454-8575
Lake Oswego
Lake Oswego, OR 97035(425) 454-8575
© 2026 JB Capital LLC · All Rights Reserved