Elora — People, Capital, Opportunity
People. Capital. Opportunity.

Real Estate &
Business Loans.

Financing for your next property. Funding for your business. Tell us what you need, and explore your options with Elora.

Talk to our team
OUR HOME. YOUR OPPORTUNITY.

Miami roots. Nationwide reach.

Based in Miami, Elora is proud to serve our local community while helping businesses and real estate investors access funding across all 50 states.

Daytime downtown Miami skyline across Biscayne Bay, framed with decorative palm silhouettes

Daytime Miami waterfront · Photo: P. Hughes / Wikimedia Commons · CC BY-SA 4.0. Decorative palm framing added.

Illustration of a two-story house with a landscaped front yard
01 / For real estate investors

Real estate loans

Finance an investment property, renovation or new build.

Fix & flip
Financing to purchase and renovate investment properties for resale.
DSCR rental loans
Investment property loans evaluated using rental income and the property’s debt payments.
Cash-out refinance
Explore accessing equity in an investment property through refinancing.
Ground-up construction
Financing for eligible new construction and real estate development projects.
Request a real estate quote
Illustration of a small business owner in a neighborhood shop
02 / For business owners

Business funding

Cover expenses, manage cash flow or grow your business.

Business cash advances
Funding based on business revenue, with fast funding possible for eligible businesses.
SBA loans
SBA-backed financing for eligible needs, including working capital and expansion.
Bank loans
Traditional business financing for working capital, equipment and growth.
Invoice factoring
Turn eligible unpaid customer invoices into working capital.
Request business funding

Credit requirements, available programs and funding times vary. Accepting an application does not guarantee approval. Cash advances and invoice factoring are financing options distinct from traditional loans.

Learn before you borrow

Elora University

Funding should make sense before you make a decision. Explore Programs 101 for plain-language explanations, document checklists, examples and answers to common questions.

MCA · Term Loans · SBA · Invoice Factoring · DSCR · Fix & Flip · Ground-Up Construction

Explore Programs 101
Plan your next step

Loan Payment Calculators

Estimate rental-property debt service coverage and business term-loan payments.

DSCR Loan Calculator

Enter your proposed terms. Starting values are examples, not offers.

Business Funding Calculator

Compare a cash advance estimate with a 3–5 year term loan. Starting figures are examples, not offers.

Cash advance estimates use funding amount × factor rate. Factor rate is not an annual interest rate or APR. The example spreads the total evenly over 21 weekday payments per month or 52 weeks per year; holidays and actual provider schedules may differ. Sales-based remittances, reconciliation, fees and early-payoff terms can change the result. Term-loan estimates assume a fixed rate and monthly amortization, excluding fees.

Estimates assume a fixed rate and monthly payments, with no fees. DSCR is monthly rental income divided by the monthly loan payment plus taxes, insurance and HOA dues. Annual taxes and insurance are divided by 12. Closing costs and other fees are excluded. Rent minus housing payment is not net cash flow: it excludes vacancy, maintenance, management and other operating costs. Lender rental-income rules, qualifying payments and DSCR requirements vary. For interest-only loans, principal remains due at maturity. The cash advance option uses factor pricing; invoice factoring is not modeled here. Actual terms, costs and payment schedules depend on the provider and approval.

CAPITAL IN ACTION

Recently Funded

Recent real estate and business financing coordinated by Elora.

$1,500,000

DSCR Refinance

St. Augustine, FL

$2,080,000

Fix & Flip Bridge Loan

Hendersonville, TN

$13,500,000

Business Term Loan

Secured by real estate

Gray, ME

$367,500

DSCR Refinance

Allentown, PA

$188,000

DSCR Purchase

Rowlett, TX

REPRESENTATIVE ILLUSTRATION
$411,000

Pool Company Funding

Term Loan: $200,000
Line of Credit: $96,000
Cash Advance: $115,000

Roseville, CA

$367,500

2 Unit DSCR Refinance

Gardner, MA

$2,600,000

Renovation Loan

Atlanta, GA

Past transactions do not guarantee future approval, pricing or funding.

Let’s connect

Let’s talk about
your next step.

Business or real estate—email or call our team to discuss your funding needs.

deals@eloracap.com
978-490-6393
617-697-5255
A simple first step

Tell us what you need.

Share a few details and our team can follow up. Prefer to talk? Call 978-490-6393 or 617-697-5255, or email deals@eloracap.com.

By submitting, you ask Elora to contact you about this inquiry by phone or email. This is an initial inquiry, not a credit application or financing approval. Please do not send Social Security numbers, bank details or other sensitive documents through this form. Submissions are processed and stored through Netlify Forms for Elora to review.