Direct access to private capital for complex deals that traditional lenders won't touch. Fast decisions. Flexible underwriting. Reliable closings.
That distinction means faster decisions, greater flexibility, and one point of contact from application through funding.
Close in as little as 7–14 days. No committee delays, no last-minute retrading.
We underwrite the deal, not just the borrower. Value-add, construction, and transitional assets all qualify.
Conditional approvals issued upon review. No surprises at the closing table.
Our principals have owned and operated commercial real estate, golf courses, marinas, and resort properties.
We lend in all 50 states across all major commercial property types.
We protect and compensate broker relationships on every transaction. Your fee is locked in upfront.
From conventional commercial to complex specialty assets, we have the underwriting depth to get your deal funded.
Class A, B & C, suburban and urban
Strip centers, single-tenant NNN, anchored
Warehouse, flex, distribution, manufacturing
Apartment communities, value-add, new construction
Hotels, motels, boutique resorts, extended stay
Golf courses, country clubs, private clubs
Marinas, waterfront, dry stack, resorts
RV resorts, campgrounds, storage facilities
Entitled and un-entitled land, subdivisions
A streamlined 5-step process designed for speed and transparency.
Submit your loan package with required documents. Our team confirms receipt same day.
We review the deal, conduct due diligence, and evaluate the risk. We may request additional information.
Conditional approval is issued. You receive a term sheet outlining all loan parameters.
Final documents are prepared, executed, and funded. Our team coordinates every step.
Funds are disbursed and your project moves forward. As fast as 7–14 days from submission.
Submit your loan package or reach out directly to discuss your project with our principals.
A private lending group built by operators — principals who have owned, developed, and financed commercial real estate, golf courses, marinas, and resort properties firsthand.
A&J Gulf Blvd Capital is a private lending group providing flexible financing solutions for commercial real estate and construction projects throughout the United States.
Our principals and lending partners bring over 30 years of combined experience in lending, underwriting, development, title services, and real estate finance — giving us the depth to move quickly and structure deals that traditional lenders can't.
We are not a broker. We are a direct private lending group with capital partners ready to deploy. That distinction means faster decisions, greater flexibility, and a single point of contact from application through closing.
Our principals and lending partners bring deep expertise in real estate, construction, and lending.
We offer direct access to private capital — we move quickly and structure deals traditional lenders can't.
We pride ourselves on fast decisions, flexible underwriting, and reliable closings on every transaction.
We build long-term relationships by delivering honest advice and creative financing solutions tailored to each project.
No committee delays. Decisions are made by principals who understand the deal, not committees reading a memo.
Value-add, construction, transitional, and specialty assets all qualify. We look at the project, not just the borrower's FICO.
Conditional approvals issued upon review. No last-minute retrading or surprise conditions at closing.
Principals have owned and operated golf courses, marinas, resorts, and commercial properties — we speak your language.
Our principals don't just lend — they invest, operate, and deliver results. Here's one example of what that looks like in practice.
Past performance is not a guarantee of future results. Results may vary based on market conditions and asset type.
Beyond lending, our principals have owned and operated golf and country club properties. That firsthand experience is why we underwrite golf, hospitality, and commercial assets with a level of insight that traditional lenders often cannot match.
Watkinsville, GA
Snellville, GA
Trenton, GA
Trenton, GA
The following accomplishments reflect my experience as an owner, developer, investor, and operator of golf courses, hospitality venues, and commercial real estate prior to founding A&J Gulf Blvd Capital. These accomplishments reflect my experience acquiring, developing, financing, operating, and successfully exiting complex real estate and hospitality investments — the foundation of our approach to commercial lending.
My golf course and facility portfolio hosted major productions, professional tours, and championship events.
One of the golf courses I previously owned was selected as a filming location for the feature film Brothers, starring Josh Brolin, Peter Dinklage, Glenn Close, and Brendan Fraser.
Hosted the Forme Tour, the PGA TOUR Canada's U.S.-based tour during the 2021 season.
Served as proud sponsor of the Georgia PGA Championship for four consecutive years, supporting professional golf throughout Georgia.
Was recognized by Golf Inc. Magazine as one of the industry's leading golf ownership and management professionals in 2021.
My prior club, Country Club of Gwinnett, was selected as one of the featured landmarks in the official Snellville-opoly community edition.
Developed and built 1945 Restaurant, a destination dining venue adjacent to one of my championship golf course properties.
Recognized for leadership, growth, and entrepreneurship across the Latin American business community.
2023
Was recognized among Georgia's Fastest Growing Hispanic-Owned Companies for business growth and entrepreneurship.
2020
Real-world experience in every deal — we've lived the challenges our borrowers face.
We model operations and value creation accurately because we operate these assets ourselves.
Deep relationships in golf, hospitality, and real estate industries nationwide.
Delivering results and maximizing returns for our partners on every transaction.
Competitive private lending rates across six core loan programs. Rates are subject to underwriting, property type, and sponsor strength.
| Program | Loan Amount | Term | Max LTV/LTC | Rate Range | Structure |
|---|---|---|---|---|---|
| Commercial Acquisition | $500K – $20M+ | 12–36 months | Up to 75% LTV | 8.50% – 11.50% | Interest Only |
| Construction Loans | $1M – $20M+ | 12–24 months | Up to 80% LTC | 9.50% – 12.50% | Draw Schedule |
| Bridge Loans | $500K – $20M+ | 6–24 months | Up to 75% LTV | 8.00% – 14.00% | Interest Only |
| Land Development | $1M – $20M+ | 12–36 months | Up to 60% LTV | 10.00% – 13.50% | Interest Only |
| Value-Add Commercial | $1M – $20M+ | 12–36 months | Up to 75% LTV | 8.50% – 12.00% | Interest Only |
| Multifamily Bridge | $1M – $20M+ | 12–36 months | Up to 75% LTV | 8.00% – 11.50% | Interest Only |
* Rates subject to underwriting, property type, market conditions, and sponsor strength. Subject to change without notice.
Core parameters that apply across all loan programs.
Please provide the following documents with your loan package. Our team will acknowledge receipt and notify you of any additional requirements.
Our principals have direct ownership and operating experience in hospitality, recreational, and destination properties. We understand the revenue dynamics, seasonality, and capital needs of each property type.
Capital solutions for assets that fall outside the scope of conventional lenders.
The principals of A&J Gulf Blvd Capital have owned and operated multiple golf and country club properties. We understand membership revenue, food and beverage operations, maintenance requirements, and capital improvement planning.
For marina and resort assets, we bring direct experience evaluating seasonal revenue, slip income, dry stack operations, and hospitality RevPAR dynamics — with the precision that general commercial lenders simply cannot match.
We model revenue properly — including seasonality, membership dues, F&B, and slip income.
No learning curve. Our team understands the asset class before we open the file.
We structure loans around the cash flow realities of specialty assets, not generic CRE templates.
We welcome mortgage brokers, investment bankers, commercial real estate professionals, and capital advisors. Your reputation and client relationships are your most valuable assets — we protect them.
Your compensation is agreed upon upfront and protected all the way through closing. No surprises, no retrading.
Competitive referral opportunities available for all qualified transactions we close together.
We issue indicative terms quickly so you can keep your client informed and maintain momentum on the deal.
You communicate directly with our principals — no middlemen, no delays, no telephone tag with account managers.
We accept submissions from licensed brokers in all 50 states across all major commercial property types.
Assigned relationship manager for your submissions and pipeline. You always know where your deal stands.
Contact us directly to register as a broker partner. We look forward to building a productive and profitable long-term relationship.
We offer three powerful financing solutions for marina and waterfront asset owners — including government-backed programs that conventional lenders rarely offer.
Fast, flexible private capital for marina acquisitions, renovations, dock repairs, dry stack additions, or bridge financing. No government red tape — close in days, not months.
The USDA Business & Industry (B&I) program offers government-guaranteed loans for marinas in rural areas — with higher loan amounts, less collateral, and longer terms than conventional financing.
SBA 7(a) loans are ideal for small marina owners — consolidate debt, fund working capital, and get financing with minimal equity injection requirements and no excessive rates.
As a specialty lender with direct experience in waterfront and hospitality properties, we evaluate marina deals the way an operator would — looking at slip revenue, dry stack capacity, fuel dock income, service revenue, and long-term market position.
Traditional banks often decline marina financing because they don't understand the asset class. We specialize in exactly these deals — and we close them fast.
Whether you need a private bridge loan, a government-backed USDA loan, or an SBA 7(a), our team will identify the right program and walk you through every step of the process.
Fund capital-intensive dock repairs, floating dock systems, fuel dock upgrades, and marina infrastructure projects.
Expand your dry stack capacity with construction financing that follows the project draw schedule.
Purchase a new marina or refinance existing debt with better terms and faster closings than conventional lenders.
We lend on all types of marina and waterfront assets across all 50 states.
Wet slip, dry storage, fuel dock, and service operations with multiple revenue streams.
Destination properties combining marina operations with lodging and hospitality.
Standalone or attached dry stack storage facilities with proven occupancy rates.
Marine fuel stations with consistent transient and slip-holder revenue.
Commercial waterfront properties combining retail, dining, and marine services.
Marine service operations, boat yards, and repair facilities with real property collateral.
Private loans close in 7 to 14 days with flexible terms and minimal documentation requirements — ideal for acquisitions, bridge needs, or time-sensitive deals. USDA and SBA loans are government-backed, offer lower rates and longer terms, but require more documentation and take longer to process. We help you identify which program fits your situation best.
USDA Business & Industry loans are available to marinas located in rural areas as defined by the USDA. The program offers up to $25 million with up to 80% loan-to-value, less collateral than conventional loans, and longer repayment terms. We can quickly determine if your marina qualifies.
Yes. As a private direct lender specializing in waterfront and hospitality assets, we regularly finance deals that conventional banks decline. We evaluate the asset and its income potential — not just trailing financials or rigid credit box requirements.
Marina financing can be used for acquisitions, refinancing existing debt, dock repairs and improvements, dry stack storage expansion, fuel dock upgrades, clubhouse construction, and working capital for operations.
Absolutely. We have a dedicated broker program with fee protection from day one, fast term sheets, and direct access to our principals. Broker fees are agreed upon upfront and protected through closing on all 50 states.
Submit your deal today and receive a term sheet within 24 hours. Private, USDA, and SBA options available. No obligation, no fees to apply.
Our principals previously owned and operated five golf courses and country clubs across Georgia — including properties that hosted the Forme Tour (PGA Tour Canada), served as a filming location for a major motion picture, and were recognized by Golf Inc. Magazine.
We purchased one of those properties in 2019 and sold it in 2024 for four times the initial investment. That firsthand experience is exactly why we can underwrite golf and hospitality assets that traditional banks routinely pass on.
When you bring us a golf course deal, you're not explaining the business to a credit committee that's never stood on a fairway. You're talking to principals who have.
We offer flexible private lending solutions for every stage of a golf course investment — from acquisition to renovation to bridge financing.
Financing to purchase private, semi-private, or public golf courses. We move fast — often closing in 7 to 14 days when others take months.
Funding for course renovations, clubhouse upgrades, amenity additions, pool decks, dining facilities, or full ground-up construction.
Short-term capital to stabilize operations, fund improvements ahead of a sale, or bridge the gap while transitioning to permanent financing.
We lend on all types of golf and country club assets across all 50 states.
Exclusive member-only clubs seeking acquisition or renovation capital.
Full-service clubs with dining, tennis, fitness, and social amenities.
Hybrid models serving both members and daily-fee public players.
Daily-fee courses with consistent patronage and revenue history.
Destination resorts combining lodging, golf, and hospitality operations.
Standalone or attached practice facilities with proven revenue streams.
We lend from $1 million up to $20 million and above. Loans are available for acquisition, renovation, bridge financing, and construction. We do not provide business-only financing — the loan must be secured by real property.
We close in as fast as 7 to 14 days. As a private direct lender — not a broker — we control the process from term sheet to funding, which is how we move at a speed banks simply cannot match.
Yes. Unlike conventional lenders, we understand that a course's current financials may not reflect its true potential. We evaluate the asset, the market, and the business plan — not just trailing income. This is a key advantage of working with operators-turned-lenders.
We lend in all 50 states. Golf course financing is available nationwide with no geographic restrictions.
Absolutely. We have a dedicated broker program with fee protection, fast term sheets, and direct access to our principals. Broker fees are agreed upon upfront and protected through closing.
Submit your deal today and receive a term sheet within 24 hours. No obligation, no fees to apply.
Download, fill out, and print the forms below. Then submit your completed package securely online using the upload section at the bottom of this page.
Commercial Loan Application
I/We authorize A&J Gulf Blvd Capital, its lending partners, affiliates, and assigns to obtain consumer and commercial credit reports and to verify employment, income, assets, liabilities, bank accounts, tax information, and any other information necessary to evaluate this loan request. This authorization remains effective until the application is withdrawn or the transaction is completed.
Personal Financial Statement
| ASSETS | Borrower ($) | Co-Borrower ($) |
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| TOTAL ASSETS |
| LIABILITIES | Borrower ($) | Co-Borrower ($) |
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| Real Estate Mortgages | ||
| Other Liabilities | ||
| TOTAL LIABILITIES | ||
| NET WORTH |
| SOURCES OF INCOME | Borrower ($) | Co-Borrower ($) |
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| Employment | ||
| Salary | ||
| Bonus / Commissions | ||
| Real Estate Income | ||
| Other Income | ||
| TOTAL INCOME |
Investor / General Contractor Track Record — Previous Projects (Last 24 Months)
| # | Type | Property Address | City | ST | Purchase Price ($) | Purchase Date | Rehab Budget ($) | Sale Price ($) | Profit ($) |
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Fix & Flip — Itemized Scope of Work & Draw Schedule
| # | Description | Original Cost ($) | Draw 1 ($) | Draw 2 ($) | Draw 3 ($) | Draw 4 ($) | Draw 5 ($) |
|---|---|---|---|---|---|---|---|
| 1 | Plans/Engineering | ||||||
| 2 | Permits | ||||||
| 3 | Demolition | ||||||
| 4 | Dump Fees | ||||||
| 5 | Foundation/Footing/Slab | ||||||
| 6 | Roofing | ||||||
| 7 | Gutters/Downspouts | ||||||
| 8 | Windows/Sliders | ||||||
| 9 | Siding/Masonry/Stucco | ||||||
| 10 | Ext Doors/Garage Doors | ||||||
| 11 | Trusses | ||||||
| 12 | Framing Material | ||||||
| 13 | Framing Labor | ||||||
| 14 | Plumbing-Rough | ||||||
| 15 | Electrical-Rough | ||||||
| 16 | HVAC | ||||||
| 17 | Insulation | ||||||
| 18 | Drywall/Tape/Texture | ||||||
| 19 | Int Doors/Trim/Millwork | ||||||
| 20 | Interior Painting | ||||||
| 21 | Exterior Painting | ||||||
| 22 | Cabinets/Vanities | ||||||
| 23 | Countertops | ||||||
| 24 | Hardwood Floors | ||||||
| 25 | Tile/Vinyl/Lino | ||||||
| 26 | Carpets | ||||||
| 27 | Electrical Finish | ||||||
| 28 | Plumbing Finish | ||||||
| 29 | Finish Hardware | ||||||
| 30 | Appliances | ||||||
| 31 | Decking/Railing | ||||||
| 32 | Fencing/Gates | ||||||
| 33 | Hardscape/Patio | ||||||
| 34 | Flatwork | ||||||
| 35 | Landscaping | ||||||
| 36 | Final Clean-Up | ||||||
| 37 | Staging | ||||||
| 38 | Unforeseen Expenses | ||||||
| 39 | Misc. | ||||||
| SUBTOTAL / HARD COSTS | |||||||
| TOTAL CONSTRUCTION COSTS | |||||||
Completed your loan package? Upload your documents securely below and our team will review and be in touch within 24 hours.
All documents are transmitted securely and reviewed only by authorized A&J Gulf Blvd Capital team members. Your information is kept strictly confidential.
Submit your loan inquiry or reach out directly. Our principals respond to all qualified submissions promptly.
Financing is subject to underwriting review, appraisal, title review, sponsor qualifications, and final investor approval. Rates and terms are subject to change without notice. This is not a commitment to lend.