✔ $500M+ Funded ✔ Nationwide Lending Relationships ✔ MBE Certified
At eFunder Capital, we’re dedicated to empowering your real estate journey. Whether you’re a seasoned investor or taking your first steps, our tailored loan options and competitive rates are designed to help you succeed. From funding fix-and-flips to financing long-term rentals, we provide the tools and support to turn your goals into reality.
With eFunder, you gain more than just funding—you gain a partner committed to your success. Discover how we can help you grow, scale, and thrive in the competitive real estate market. Take the first step today and apply for the loan that aligns with your unique vision.
Our expert team is committed to helping you thrive in the competitive real estate market.
Short-term financing for the purchase & rehab of 1-4 unit non-owner occupied properties
Long-term financing for investors who are holding properties for rental income
Long-term financing for mixed-use, multi-family, small balance commercial
Short-term financing for the purchase & rehab of non-owner occupied properties
Government-guaranteed loans for small businesses that utilize at least 51% of the property space
Loans & leases to distribute equipment costs over a period of time rather than one upfront purchase
Educational insights covering commercial financing, capital structure, lending strategy, and real-world investing considerations.
Terence Young is the founder and CEO of eFunder Capital, a commercial capital platform focused on helping real estate investors and business owners navigate financing strategically.
With experience spanning real estate investing, refinancing, portfolio growth, and commercial financing execution, Terence brings both real-world perspective and practical financing insight to every client relationship.
After personally experiencing the challenges many investors face when trying to secure financing, Terence built eFunder Capital around a simple principle:
Clear guidance, strategic structure, and strong execution matter.
Today, eFunder Capital works with investors and business owners nationwide across bridge financing, DSCR loans, rental portfolio financing, commercial real estate funding, business-purpose lending, and strategic capital planning.
The company’s approach combines financing access with practical understanding of how capital structure impacts long-term growth, liquidity, and execution.
As a Certified Minority Business Enterprise (MBE), Terence is also committed to supporting business growth, financial education, and long-term relationship-based partnerships within underserved and growth-focused communities.
Terence Young
Learn How Investors Structure Fix & Flip Financing Strategically
Fix and flip financing is more than just getting approved for a loan. The structure behind the deal can directly impact your timeline, cash flow, renovation budget, and long-term profitability.
This blueprint was created to help real estate investors better understand how fix and flip financing actually works, including:
• How leverage and rehab funding are structured
• Common mistakes that slow down closings
• What lenders are really looking for
• How to position your deal for stronger execution
• Ways experienced investors protect profit margins and preserve liquidity
Whether you’re funding your first project or scaling your investment portfolio, this guide will help you approach fix and flip financing with greater clarity and confidence.
Reviews
Real estate investors often compare DSCR loans and conventional investment property loans when deciding how to finance rental properties. Both loan types can help investors acquire income-producing real estate, but the structure behind each loan can affect how an investor grows a portfolio over time. For some investors, conventional financing...
DSCR loans are commonly used by real estate investors to finance rental properties. Unlike conventional mortgages, these loans are primarily evaluated based on the income generated by the property rather than the borrower’s personal income. For many investors, DSCR financing creates opportunities to expand a rental portfolio more efficiently. At...
Equity-based and private lending play an important role in real estate investing, especially for transactions that fall outside traditional financing guidelines. Many investors and mortgage brokers encounter deals where conventional loans are not practical due to property condition, borrower profile, or timing requirements. This guide explains how equity-based and private...
Discuss your financing scenario, investment strategy, or capital structure needs with eFunder Capital. Dial +1 412-307-9211 to talk to our team directly, or click here to schedule a Zoom call for a virtual meeting at your convenience.
