W2 Cap Capital
Hard Money,
Soft Terms.
A private lending solution for members of the W2 Capitalist community and its growing connections.
Our Loan Programs
Fast, flexible funding designed for real estate investors.
Fix & Flip
Up to 70% of purchase price and 100% of rehab costs. 6–12 month terms with extension options available. No loan minimums.
Up to 70% LTVBridge Loans
Fast closings on SFR, 1–4 units, and commercial multi-family properties including value-add, up to $5 Million.
Close in DaysNew Construction
Ground-up development financing. Let us help you turn your projects into profits from the foundation up.
Ground-UpDSCR / Rental / Cash Out Refi
Grow your rental portfolio. No loan minimums. All property types: SFR, small multi-family, and commercial multi-family.
All Property TypesNew Construction
Ground-up development financing from lot acquisition through completion. All property types.
Ground-UpBRRRR
Buy, Rehab, Rent, Refinance. Fix and flip loans to get your rental property bankable. Ideal for 1–4 unit properties.
Build a PortfolioWho We Work With
We specialize in relationship-based lending for serious investors.
W2 Capitalist Members
Mastermind community members get priority access, streamlined underwriting, and dedicated support.
First-Time Investors
New to hard money? We'll walk you through every step. No experience requirement on select programs.
Experienced Flippers
Seasoned investors with a track record get faster approvals and preferred terms.
Portfolio Builders
Growing a rental portfolio? Our DSCR and BRRRR programs are built for scale.
Developers
Ground-up construction to value-add repositions — we fund projects across all property types.
Time-Sensitive Deals
Lender backed out? Deal closing in 3 days? We've done it. Fast decisions, faster closings.
Our Promise
Quick decisions. Fast execution. Reliable service.
Fast Closings
We close faster than banks and our competition. Every time.
Competitive Rates
The most competitive pricing we can offer, guaranteed.
Relationship-Based
Every borrower is a VIP with a dedicated account rep.
Flexible Programs
Diverse in-house programs and lender networks to fund most scenarios.
Easy Application
Smart intake process — it knows what to ask and what docs to collect.
Secure Portal
Upload docs, track your loan, and communicate — all in one place.
Meet the Team
Co-founders with decades of combined real estate and finance experience.
Gwyeth Smith
Gwyeth co-founded New Wave Capital and brings expertise in acquisitions, financial modeling, equity and debt origination, and portfolio management. He previously founded Rustic Capital and worked at an old Rockefeller Company. Gwyeth holds an economics degree from James Madison University.
gwyeth@w2capcapital.com
Jay Helms
Jay is an Amazon #1 Best Selling Author, featured twice on BusinessInsider.com, and founder of The W2 Capitalist mastermind. Real estate investing since 2014 across multifamily, SFR, short-term rentals, and private lending. Jay holds a CS degree from Jacksonville State University and an MBA from NYIT.
jay@w2capcapital.comAlready a Borrower?
Log in to your portal to view your loan status, upload documents, and track draw requests.
Log In to Portal →New borrower? Use the Apply button to the right.
Ready to fund your next deal?
Our quick application takes less than 5 minutes. Get a decision fast and close even faster.
- No hard credit pull on initial application
- Up to 70% purchase price, 100% rehab
- Close in as little as 3 business days
- Dedicated account rep on every loan
- Extensions available on all programs
Questions? Call us at 205-249-0248 or email Capital@W2CapCapital.com