About Us

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 $6.5 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.

Providing Real Estate Credit since 2013

User-friendly and creative lender

S3 Capital

Real estate bridge and construction financing

Secured by recorded first liens

Our ESG Commitment

At S3 Capital, we believe that responsible lending goes beyond financial performance. We are dedicated to integrating Environmental, Social, and Governance (ESG) principles into our operations, ensuring a positive impact on the multifamily construction projects we finance and the communities we serve. By promoting sustainable development, fostering social well-being, and upholding ethical standards, we aim to create long-term value for all stakeholders involved.

Environmental Responsibility

We recognize the importance of mitigating our environmental footprint and supporting projects that prioritize sustainability. Our commitment includes:

Green Building Standards:
We finance multifamily construction projects that adhere to recognized green building certifications, such as LEED (Leadership in Energy and Environmental Design) or other similar standards.

Energy Efficiency:
We encourage the implementation of energy-efficient technologies and practices in the construction process, resulting in reduced energy consumption, lower carbon emissions, and long-term cost savings.

Renewable Energy Integration:
We support projects that incorporate renewable energy sources, such as solar or wind, to promote clean energy generation and reduce reliance on fossil fuels.

Social Impact

We strive to make a positive social impact through our lending activities, financing projects that address social needs and contribute to community development. Our social impact initiatives include:

Affordable Housing:
We actively support the financing of multifamily construction projects that aim to provide affordable housing options, helping to address the housing crisis and improve accessibility for low-income individuals and families.

Community Engagement:
We engage with local communities, facilitating open dialogue, promoting inclusivity, and enhancing social cohesion.

Job Creation and Economic Growth:
Our projects create employment opportunities, stimulate local economies, and contribute to the overall economic growth of the regions we serve.

Ethical Governance

Integrity and ethical conduct are fundamental to our operations. We maintain robust governance practices to ensure transparency, accountability, and fair business dealings, including:

Compliance and Risk Management:
We adhere to applicable laws, regulations, and industry best practices, ensuring the highest level of compliance and risk management in our lending operations.

Anti-Corruption Measures:
We adhere to strict anti-corruption policies, prohibiting any form of bribery, corruption, or unethical behavior within our organization or in connection with our lending activities.