Built by someone who knows both sides of the deal.

Josiah Diaz, founder of The Capital Shop

MEET THE FOUNDER

Built on Experience. Driven by Opportunity.

Josiah Diaz is a former U.S. Border Patrol agent with 10+ years in the mortgage business. In 2019 he left federal service to lend full time, and he has built his career helping investors, law enforcement, veterans, and their families get deals done. He invests in real estate himself, so he knows the difference between a loan that looks good on paper and one that actually works for the deal.

Josiah Diaz

FOUNDER / THE CAPITAL SHOP

Good deals need capital that fits.

Josiah Diaz founded The Capital Shop to help investors, builders, and business owners find financing that works for the deal. We broker commercial real estate and business-purpose capital. We also support qualified professionals who bring eligible deals through our partner network.

Know the deal. Know the numbers. Say it straight.

Understand the deal before chasing terms.

A loan has to work beyond the closing table. We look at the property or business, the person behind it, and the exit. Then we work through what lenders will need. If the numbers don’t work, we say so.

Financing specialties

Investment Property Financing

DSCR rental loans, fix-and-flip, refinances, and portfolio or blanket loans. Many programs qualify on the property's cash flow instead of your tax returns.

EXPLORE FINANCING

Investment Property Financing

DSCR rental loans, fix-and-flip, refinances, and portfolio or blanket loans. Many programs qualify on the property's cash flow instead of your tax returns.

EXPLORE FINANCING

Construction & Development

Ground-up spec homes, build-to-rent, and infill projects. Structured around your budget, draw schedule, and exit.

EXPLORE FINANCING

Construction & Development

Ground-up spec homes, build-to-rent, and infill projects. Structured around your budget, draw schedule, and exit.

EXPLORE FINANCING

Commercial Real Estate

Multifamily, mixed-use, retail, office, and industrial. Purchases, refinances, and bridge loans for properties that don't fit a bank's box.

EXPLORE FINANCING

Commercial Real Estate

Multifamily, mixed-use, retail, office, and industrial. Purchases, refinances, and bridge loans for properties that don't fit a bank's box.

EXPLORE FINANCING

Business Capital

Working capital, equipment financing, and lines of credit for owners who need to move, where programs are available.

EXPLORE FINANCING

Business Capital

Working capital, equipment financing, and lines of credit for owners who need to move, where programs are available.

EXPLORE FINANCING

Responsible deal evaluation.

We check the business purpose, property or business details, documents, cash flow, your experience, and the repayment or exit plan. Appropriate capital options depend on the transaction and lender criteria. The Capital Shop is not a direct lender; all financing remains subject to lender review and approval.

Send Us Your Deal