HOA Capital

For CAMs & property managers

Capital projects, funded like infrastructure.

A document-ready funding path for planned capital projects — roofs, concrete restoration, elevators, SIRS reserves — sized to your portfolio and structured at the association level.

Run the funding estimate
$0B
program capacity
0 yr
max terms
0pp+
we assemble the lender package

Funding estimate

What could your project cost, per unit?

Move the sliders to your association's size and project cost. The output is a planning range, not a quote.

150
50500
$3M
$500k$20M

Term

Illustrative range

$138$174

/unit/mo

Illustrative range for planning only. Actual terms are set by lending partners after underwriting.

Get real numbers →

How the paths compare

Special assessment vs. bank loan vs. this program.

Swipe to compare →

 Special assessmentBank loan (traditional)This program
Time to fundsLevied quickly, but due from owners in as little as 60–90 daysWeeks to months, subject to standard bank underwritingWeeks to months — a document-ready package speeds review
Owner impactOne-time lump-sum bill per unitAssociation borrows; owner impact depends on the bank's termsModest addition to the monthly assessment
Reserve impactReserves may still be spent down alongside the assessmentReserves typically preserved, subject to covenantsReserves stay intact for their intended purpose
Term lengthN/A — due in a lump sumOften 3–10 yearsUp to 30 years
ObligationOwner-level, per unitPersonal liability common for board/officersAssociation-level

Typical sequence — timing varies

Assessment to funded.

Wk 0

Assess

We review reserves, SIRS/milestone status, and project scope.

Wk 1

Qualify

We match your community to the right institutional program.

Wk 2–3

Package

We assemble your funding readiness package — documents ready.

Wk 4–8

Underwrite

Lending partners review the file — terms up to 30 years.

Funded

Fund

Capital reaches your association. The project begins.

Institutional capacity

JPMorganChase has committed approximately $2 billion in financing capacity toward Florida association funding.

Built for managers

Made for the way you already work.

Portfolio-level view

Bring multiple associations into one relationship and track every project's funding status in one place.

Document checklist we assemble

Budget, aging report, SIRS/milestone report, financials — we compile the package so your file arrives complete.

Single point of contact

One funding specialist manages your file end to end — no phone tree, no hand-offs.

Get real numbers

Get real numbers for your project.

Tell us about the project and the community. A funding specialist reviews it and prepares your readiness package.

  • Association-level — never personal debt
  • No cost to apply
  • No obligation to proceed

Get real numbers for your project