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Applied Capital Management’s Strategy & Market Niche:

  • Our strategy focuses on lending into distressed timing situations, not distressed assets or borrowers.
  • We specialize in CRE loans that need to close in 10–20 business days—these borrowers often have a lot to gain or lose based on timing.
  • Loans are collateralized by cash-flowing CRE or other quick-sale assets.
  • We typically invest near the top of the capital structure, prioritizing capital preservation.
  • All lending is backed by stringent underwriting, real assets, and experienced sponsors.

Working with Intermediaries

  • Many intermediary relationships (banks, lawyers, accountants) date back to the mid-1990s.
  • These relationships refer borrowers with urgent closing deadlines—where failing to close could jeopardize significant equity or opportunity.
  • We’re known for quick, direct communication and reliable execution.

Lending Criteria

  • Bridge Loan
  • Range $1-10 Million
  • Cash-Flowing Properties
    • DSCR > 1.0
    • Debt Yield > 8%
    • Commercial Real Estate Only
  • Term 12-24 Months
  • Loan To Value <75%
  • Quick Close (10-20 Business Days)
  • Lien Position 1st
  • Clearly Defined Exit
  • Personal Guarantee (Full Recourse)
  • Nationwide Coverage

Property Type: Multi-Family, Student Housing, Office, Retail, Industrial, Self-Storage, Mobile Home Parks, Mixed Use

Applied Capital’s Founder, Steve Young, is based in Delafield, Wisconsin, and in his 19th year in the private credit business. Previously the Founder of Prescient Capital Companies, Steve is recognized nationally as a leading commercial real estate (“CRE”) bridge lender.

  • Steve is a nationally recognized commercial real estate (“CRE”) bridge lender, previously launching 12 Series LLC Funds.
  • Since 2006, he has originated over $35 billion in loan requests from 2,000+ intermediaries nationwide.
  • His longstanding intermediary relationships drive consistent deal flow.