Lake Crest Capital provides access to bridge loans, multifamily financing, construction lending, and structured capital from $1MM to $250MM — connecting you with the right lender for every deal.
We deploy capital across a full range of CRE asset types and transaction structures. Whether you need speed, flexibility, or a complex custom structure — we have a program built for it.
Short-term financing for acquisitions, refinances, and transitional assets. We move fast and underwrite to the opportunity, not just the current cash flow.
Flexible debt solutions for apartment acquisitions, value-add rehabs, and stabilization plays. Competitive terms across market-rate and affordable housing.
Ground-up and substantial rehab financing with draw schedules tailored to your project timeline. Vertical and horizontal construction welcome.
Debt placement for retail, office, industrial, hospitality, and mixed-use. Stabilized, value-add, and opportunistic — with permanent financing at 5, 7, and 10 year fixed terms.
Rehab financing for residential investors. Fast approvals, minimal paperwork, and funding structured around your renovation timeline and exit strategy.
Complex capital stack solutions for sophisticated transactions. When the deal doesn't fit a conventional mold, we identify and structure the financing that makes it work.
Lake Crest Capital is a commercial real estate finance firm headquartered in Manchester, New Jersey, placing debt and structured capital for investors and developers across the country. Founded and led by Joshua Horowitz, the firm was built on a straightforward premise: every borrower deserves direct access to a knowledgeable advocate — someone who knows the market, knows the lenders, and works to get your deal closed.
Joshua began his career in commercial real estate finance at Eastern Union Funding in 2011, where he spent nearly a decade developing deep expertise across every asset class and financing scenario. In 2019, he founded Lake Crest Capital to deliver the same institutional-level execution with the responsiveness and personal attention that only a principal-led firm can provide.
"Every deal we take on gets personal attention. We don't just submit applications — we position your deal to get it closed."
— Joshua Horowitz, PrincipalOver the course of his career, Joshua has negotiated and financed over $3 billion in loans spanning every asset class and financing scenario — from straightforward bridge loans to complex structured transactions that required creative capital solutions. That depth of experience is what every Lake Crest client has access to from day one.
Borrowers return to Lake Crest Capital because we deliver honest guidance, competitive terms, and closings that happen when we say they will.
A new name. The same commitment.
After years of growth under the Gemstar Capital Group name, a decision was made to rebrand and take the firm to new heights. Lake Crest Capital is that next chapter — the same team, the same values, and the same dedication to getting deals closed, now built for a bigger stage.
Fill out our deal form or send us an executive summary. We review every submission personally and respond with honest feedback — fast.
If the deal fits, you'll receive a preliminary term sheet within 24–48 hours. No committees, no delays.
Streamlined due diligence focused on what matters. We work efficiently and communicate clearly throughout.
Funded and closed. As fast as 7 days from signed term sheet when borrowers come prepared.
Submit your deal details and Joshua will personally review it and be in touch promptly. We respond to every inquiry — no matter the size.