We offer a wide spectrum of custom financing options for developers and purchase groups tailored to the type and stage of each project.
Multiple Financing Options Under One Roof
Projects Financed by Ruby Capital
Remez, Rishon Lezion
Remez, Rishon Lezion
Hahashmonaim, Ra’anana
Hahashmonaim, Ra’anana
Abraham Rabitz, Jerusalem
Abraham Rabitz, Jerusalem
Hadarim, Shoam
Hadarim, Shoam
Ha’agana, Givatayim
Ha’agana, Givatayim
Simtat HaShuk, Tel Aviv
Simtat HaShuk, Tel Aviv
Arlozorov, Bat Yam
Arlozorov, Bat Yam
Ibn Ezra, Jerusalem
Ibn Ezra, Jerusalem
Tsir Hacinuch, Hod Hasharon
Tsir Hacinuch, Hod Hasharon
Batei Navon, Jerusalem
Batei Navon, Jerusalem
Elyashiv, Netanya
Elyashiv, Netanya
Erlinger, Tel Aviv
Erlinger, Tel Aviv
Shefer, Tel Aviv
Shefer, Tel Aviv
Comprehensive Construction Loans
Leveraging our extensive business and financing experience, we provide senior construction loans, sales policies and performance guarantees tailored to the developer’s needs.
Our flexible solutions also seamlessly adapt to various aspects of the project, including progress of construction and sales as well as early repayment.
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Our Financing Process
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Initial Developer Inquiry
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Review, Feasibility Check & Proposal
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Ruby Capital Credit Committee Approval
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Institutional Partner Credit Committee Approval
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Contract Signature
Pre-Permit Financing for Urban Renewal Projects
Getting a loan for urban renewal projects often proves difficult. The complex asset ownership structure and the lack of real estate collateral are just some of the typical challenges. Often developers must give up equity to cover expenses until they obtain the permit. Our pre-permit loan is designed to create significant equity savings when raising capital.
Subject to the approval of our credit committee, we grant proven developers financing solutions adapted to their needs even before they obtain the construction permit. The loans are secured by various types of collateral, such as surplus liens from other projects, contractual liens of rights in the projects, personal guarantees, and more.
Construction Support for Purchase Groups
This type of customized loan offers purchase groups a quick financing option to commence construction.
These loans are secured by a first mortgage and the projects are supervised through all phases.
Collateral-Backed Financing Solutions for Developers & Purchase Groups
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Bridge Loans
We offer developers and purchase groups a variety of bridge loans for their changing needs throughout the entire development project: from the land purchase phase, through the planning procedures and property improvements, to later stages in the project’s life cycle.
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Mezzanine Loans
This type of financing allows developers to diversify their equity over a larger number of projects, increasing their return on equity and optimizing the cash flow at their disposal. The mezzanine loan stands in a subordinate position to that of the bank. The loan repayment date is flexible; it is determined by the progress of the project and the date on which the senior lender releases the project cash proceeds.
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Take-Out Loans
With this type of loan developers have more leeway in utilizing and diversifying their resources and a more flexible repayment date. Developers can take out the loan at any stage of the project, subject to a progress review and the approval of the senior lender. The loan itself is granted prior to the date the senior lender releases the projected surplus.
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Inventory Bridge Loans
These loans are geared towards developers who hold inventory and are interested in selling it at later stages, either because sales prices have significantly gone up since the initial assessment or because they expect a pending increase in value. This type of loan is granted at the end of the project, when construction is complete, and the project is ready for occupancy.
