First-time real estate investors don’t always fail from lack of ambition.

They often fail because the system isn’t always designed for them.

First-time real estate investors are frequently stuck in the beginning—ambitious but unable to access reliable capital. Enter Munoz Ghezlan & Co (also known as MG Capital), a boutique private credit firm offering structured financing options often reserved for large institutions. The firm’s flagship unsecured financing product is a working capital package that combines credit lines, business cards, and term loans—designed to unlock higher leverage without personal guarantees or upfront costs.

The typical approval for clients is around $116K, with some approvals reaching up to $500K. Munoz Ghezlan charges no upfront fees to clients, helping make capital more accessible to many.

Why Are They Doing This?

Why Many People Struggle to Start

Traditional banks often don’t lend to first-time real estate investors without years of experience, assets, or strong credit. Credit cards can be risky, and most personal loans may not offer enough capital.

The biggest barrier isn’t always the amount of working capital available. It’s that many people aren’t aware that options like MG Capital’s low-interest line of credit exist. The lack of knowledge and limited access to financing options can hold many people back.

“We built the product we wish existed when we started,” said one of the firm’s founders, Marc Munoz. “It’s not charity—it’s strategic. Give the right people the right amount of capital, and they can become highly effective.”

“Most lenders ask what you’ve done. We ask what you’re capable of—then structure the capital to match.”

Munoz Ghezlan’s Solution: Flexible Financing, Zero Upfront Cost

Munoz Ghezlan’s financing can often be deployed for marketing, hiring, equipment, or business expansion—but many real estate clients use it as strategic down payment capital, potentially unlocking entry points as low as 5–10% down. In some cases, the deals are structured to maintain positive cash flow, even at higher leverage.

How It Works:

• Clients can make a soft application with no impact on credit.
• Munoz Ghezlan typically structures a custom capital package, including mezzanine and unsecured financing.
• Funds are made available to use for income-generating investments.

Potential Use Cases:

• Rehab and renovation projects
• Closing costs
• Down payments
• Short-term working capital

Client Results: Building Wealth with Minimal Initial Capital

What matters most to Munoz Ghezlan & Co is helping ambitious first-time real estate investors achieve tangible results. Many start with $100K+ and go on to build multiple properties in their portfolios. Some clients have grown their net worth significantly through repeated, compounding funding cycles.

Even clients with limited experience have, in some cases, successfully deployed their funds into potentially high-yield assets. Repeat clients may see growth over time as they leverage Munoz Ghezlan’s multi-tranche funding and compounding strategy for business loans. The firm has facilitated over $25 million in investment asset purchases in 2024, expanding access to business loans for many.

Examples of Clients Include:

• Everyday entrepreneurs
• Realtors
• Professional athletes from the NFL, UFC, and NBA
• First-time flippers
• Long-term buy-and-hold investors

Education and Empowerment: A Transparent Financing Process

The firm works with clients who are new to structured finance but serious about deploying capital effectively. The firm’s process is designed not just for speed, but for long-term success—ensuring clients understand how to use leverage strategically from day one.

They guide borrowers through key stages of funding: from initial capital structuring to asset acquisition, portfolio expansion, and risk protection. The firm also operates its own insurance subsidiary, providing clients an option to secure coverage without relying solely on third parties.

Their model focuses on aligning incentives, avoiding predatory terms, and encouraging capital flow into potentially cash-generating assets. MG Capital doesn’t charge upfront fees, and their low-interest lines of credit mean they typically only win when the client does.

Supporting the Dreams of a New Generation

What once began as an M&A financing firm has since pivoted to meet the growing demand for individual investment funding. They aim to reduce the barriers of Wall Street, helping individuals build financial freedom.

Looking ahead, Munoz Ghezlan & Co plans to continue expanding capital access across markets and supporting first-time real estate investors and small business owners. They aspire to lead the way with thoughtful, structured capital offerings that help everyday Americans grow their net worth—not just get by.

Disclaimer: This article is for informational purposes only and does not constitute financial advice or an offer to provide any specific financial services. The information provided is based on current market conditions and statements from Munoz, Ghezlan & Co., and is subject to change without notice. Individual results may vary, and past performance is not indicative of future outcomes. Readers are encouraged to consult with a financial professional to assess their specific needs before making any financial decisions.

Published by Jeremy S.