Zero points. Zero fees. Nothing hiding.
Most hard money lenders charge points and bury you in junk fees. We charge a rate. Everything else is zero.
The same lender. The same speed. Zero points in both markets.
Hard money lenders in Charleston typically charge 2–3 origination points plus a stack of additional fees: processing, underwriting, document prep, extension, prepayment, payoff. The total cost adds up fast.
Kayak Capital charges an interest rate. That's it. No origination points. No processing fee. No underwriting fee. No extension fee if your project runs long. No prepayment penalty if you sell early. No minimum interest period.
What you get is real: direct decision-makers (you talk to Barry, who lends his own money), same-day funding from a lender that's done it 1,700+ times, and asset-based underwriting that doesn't require tax returns or a credit pull.
When we launched in South Carolina we charged two points as ramp-up pricing — and promised we'd re-evaluate as volume grew. As of July 2026, the points are gone. Same zero-points, zero-fees model in both markets. We keep our word — straightforward pricing for straightforward deals.