S3 Capital is a versatile lending platform that provides institutional-quality middle-market construction and bridge lending nationally.

S3 Capital is a national real estate lender specializing in construction and bridge loans for multifamily development. With experienced and dedicated teams focused on origination, underwriting, and construction management, they take an active and hands-on approach to lending that mitigates risk both before and during the life of the loan. Since launching its credit business in 2013, S3 has originated over 700 loans totaling more than $6 billion. With a focus on multifamily in and around Tier 1 markets, S3 seeks to deliver equity-like returns that are both resilient and current income-oriented. S3 Capital is wholly owned by Spruce Capital, co-founded by Joshua Crane and Rob Schwartz in 2007, which also owns Spruce Properties, focused on managing approximately 5,000 multifamily units primarily based in the Midwest.