Lender profile
Harpoon Capital
private money
Verified Sep 17, 2026
Harpoon Capital is a broker-only private money lender with no stated minimum DSCR — it will consider deals below 0.75 DSCR. Minimum credit score is 620, with loan sizes from $50,000 to $3,500,000 and maximum 85% LTV. The company does not publish rate or state-coverage figures in the sources reviewed.
Published facts
Loan size
$50,000 – $3,500,000
Max LTV
85%
Max LTC
85%
Min credit score
620
Channel
Broker only
Terms
Not publicly published
Close time
Not publicly published
Harpoon Capital does not publish a state-coverage count. Its stated geographic focus is “states not publicly disclosed” — a description of intent, not a confirmed licensure claim.
Products
Strengths
- No minimum DSCR requirement — approves deals below 0.75
- Loan sizes from $50,000 to $3,500,000
- 620 minimum credit score
- Broker-only origination
Who this lender suits
Investor with a cash-flow-negative property (DSCR below 0.75) seeking a broker-originated private money lender with no DSCR floor.