Choosing Wisdom Capital for your loan needs is a smart move. Here’s why:

  • We offer fast and flexible funding to help you get started on your project right away.
  • Our same-day construction draws mean you can access funds when you need them.
  • No Hidden Fees!
  • Our team provides proactive customer support to help you every step of the way.
  • We value long-term relationships with our clients. That is why over 70% of our clients choose us again when they need another loan.
  • Diverse property types.
  • With Wisdom Capital, you’re not just getting a loan – you’re gaining a dependable partner for your real estate endeavors.

Wisdom Capital provides loans for:

  • Single family residences (both attached and detached),
  • 2 to 4 unit residences
  • Multifamily residences
  • Townhouses
  • Mixed-use properties*.
  • We specialize in offering ground-up construction loans for these properties, provided they already have a foundation in place.

We currently offer loans for properties in the following states:

  • New York
  • New Jersey
  • Connecticut

At Wisdom Capital, we make getting a loan simple and quick. Here’s how it works:

  • You send us your application.
  • Our team starts checking it right away.
  • If you are borrowing for the first time we will set up a meeting to see if you can get approved on the same day.
  • If you have borrowed from us before, you may get approved right away, no meeting needed.
  • After title verification is complete, we send your paperwork to an attorney to get everything ready for the closing.
    • Once that is done, you will get your funds without delay.

Your purchase agreement and construction budget.

You can contact us by:

Phone: 1-800-887-2077



No. At Wisdom Capital, we don’t set a minimum for either FICO scores or income levels. Our goal is to help you achieve your financial goals, regardless of your credit score or income.

Payments will be automatically withdrawn from your account using ACH, so you don’t have to worry about missing a payment.

You may receive monthly statements to make it easy for you to monitor your account activity. You can also contact our readily available support team with any requests you may have.

At Wisdom Capital, we’ve made accessing draws as easy as possible. You can request a draw through our app (Geospec), phone, or email to our dedicated construction draws department. Once your request is received and work completion is verified, we promptly issue the draw to your bank account. This ensures you have quick and efficient access to the funds you need, allowing you to concentrate on your project.

That’s not an issue at all. We’re more than willing to supply you with initial information that could assist you in securing your deal.

Yes. We provide loans to business entities across all the states where our services are available.

Wisdom Capital focuses on whether the investment is profitable for the borrower. We strive to ensure that every borrower’s investment is successful. Unlike traditional lenders, Wisdom Capital offers:

  • Speed: Unlike traditional loans that can take up to 3 months or more for approval, we can provide you with a loan in days. We also offer same-day construction draws. This lets you seize time-sensitive real estate opportunities that traditional lenders would miss.
  • Diverse Property Types: Financing for ground-up construction or properties in any condition.
  • Transparency: No hidden fees.
  • Long Term Relationships. Repeat borrowers reap the benefits of even faster approvals and streamlined processes.
  • Personalized Support: Our team of experienced and professional loan officers are here to guide you through the process.

Bottom line: Wisdom Capital delivers the speed, flexibility, and funds to fuel your investment goals.