Warm sunlit Los Angeles family home interior
Our Capabilities

Loan Products

A curated suite of residential and commercial financing solutions, engineered for sophisticated borrowers whose stories deserve more than a checkbox.

Happy couple receiving keys to their new Los Angeles home
01
Most Popular

Bank Statement Loan

The most common mortgage solution for the self-employed borrower.

  • Qualify with 12 or 24 months of business or personal bank statements
  • No tax returns required
  • 15, 30 & 40 year fixed terms available
  • First-time home buyers welcome
  • Common-sense underwriting for business owners
Inquire about this product
Sunlit kitchen of a renovated mid-century LA home
02

Profit & Loss Loan (P&L Only)

An excellent mortgage alternative for the sophisticated self-employed borrower.

  • 1 or 2 year CPA-prepared P&L
  • No tax returns required
  • 30 year fixed terms available
  • Common-sense approach to underwriting
Inquire about this product
Cozy California craftsman living room with warm wood beams
03

Asset Based Loan

Use your assets to qualify in place of employment income.

  • Investment accounts: stocks, bonds, mutual funds
  • Money market, CDs, checking, or savings
  • Retirement accounts including 401(k) and IRA
Inquire about this product
Charming Los Angeles rental investment home at golden hour
04

DSCR Loan

Real estate investment loans qualified solely on the cash flow of the property.

  • Qualify using only investment property income
  • 30 year fixed options available
  • Ideal for real estate investors
  • Purchase, refinance, or cash-out
Inquire about this product
Inviting living room interior
05

HELOAN — 2nd Mortgage

A closed-end cash-out loan that keeps your low-rate first mortgage intact.

  • Debt consolidation, home improvement, and more
  • Pay off high-interest credit cards or auto loans
  • Qualify with 12 months bank statements or full doc
  • Preserve your first mortgage rate
Inquire about this product
Bright kitchen with garden flowers
06

Home Equity Line of Credit (HELOC)

A revolving credit line secured by the equity in your home.

  • Use for renovations, tuition, or major expenses
  • Consolidate higher-interest debt
  • Flexible draw and repayment terms
Inquire about this product
Welcoming front porch at dusk
07

Private Money Loans

Short-term, privately funded loans for borrowers who need quick capital.

  • Close quickly and easily
  • Flexible underwriting requirements
  • Terms typically 12–24 months
  • Access to a vast private lender network
Inquire about this product
Modern commercial building
08

Commercial Financing

Tailored capital for investors, operators, and entrepreneurs.

  • Multifamily, mixed-use, retail, office, industrial
  • Bridge & permanent financing
  • Portfolio and cross-collateralized loans
  • Discreet, relationship-based execution
Inquire about this product
Work With Kinnect Capital

Let's discuss your loan scenario

Tailored financing solutions for the sophisticated borrower. A discreet, white-glove experience from first call to closing.