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. Harpoon Capital is a private money lender, describing its footprint as "states not publicly disclosed".
For a rental investor, the products on file are rental DSCR. On the deal itself, Harpoon Capital publishes loan sizes from $50,000 to $3,500,000 and leverage up to 85% LTV / 85% LTC. Harpoon Capital originates exclusively through mortgage brokers — a borrower cannot apply directly.
No SEC filing establishes a corporate-ownership relationship for Harpoon Capital— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its published lending figures were last checked against a source it published on Sep 17, 2026.
Published facts
Loan size
$50,000 – $3,500,000
Max LTV
85%
Max LTC
85%
Min credit score
620
Channel
Broker only
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.
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — Harpoon Capital is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
Only hits (Mac Worldwide Inc, BF Acquisition Group III Inc) are small, unrelated shell companies matched on generic words; no SEC registrant relationship found for Harpoon Capital.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What Harpoon Capital has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask Harpoon Capital about, not as a criticism. Of the 11 criteria categories this directory tracks, Harpoon Capital has not published 7:
- Minimum DSCR (18 of 38 lenders here publish it)
- Rate range (22 of 38 lenders here publish it)
- Points range (21 of 38 lenders here publish it)
- State-coverage count (14 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
- Loan terms (21 of 38 lenders here publish it)
- Typical close time (21 of 38 lenders here publish it)
Products
- rental DSCR — a 30-year rental loan qualified on the property's own rent-to-payment ratio rather than the borrower's tax returns See the glossary entry.
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.
Deal scenarios Harpoon Capital clears
Harpoon Capital's published criteria clear 7 of the 119 deal scenarios this site tests — computed the same way every /loan-for/ page computes its own roster, from the stored fields above, not curated by hand. A scenario only counts here if its numeric rules actually narrowed the lender pool; scenarios that match on product tags alone are left out.
Credit and qualification (2)
Purpose and structure (2)
Leverage and pricing (3)
How Harpoon Capital compares
Harpoon Capital is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set Harpoon Capital's published figures side by side with any other lender's profile directly. Open the directory.