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Ligon Capital's STABBL Loan Program is Your Chance to Invest with The Ligon Brothers!

STABBL Loan Team - Ligon Brothrers
Ligon Group - STABBL Loans

Short - Term - Asset - Backed - Bridge - Loan


Our STABBL Loans are extremely low-risk asset based loans protected by real property and secured by Mortgages.

A STABBL loan is a Hard Money Loan option for Real Estate Investors. It's a quick and easy funding option for investors in need of fast cash to close an Investment purchase. Typical bank loans require a lot of red tape in order for an investor to be approved, but a hard money loan (a STABBL) loan is primarily asset-based so the approval process is much faster. To Learn more about the benefits of using a STABBL loan visit our STABBL Borrower page.


Here is the Simple 3 step process for a typical STABBL loan.

Step One...


The subject property is researched and thoroughly reviewed in-house by our panel of expert investors to insure all value computations are accurate. As an additional security to our lending process, we only loan out up to 75% of the ARV on the subject property. This insures that we hold mortgages on properties with an immediate 25%+ equity.  We have a Professional BPO (Broker Price Opinion) or Standard appraisal done with every loan.

Step Two...


The Borrower undergoes an in-depth vetting process to insure they meet our lending requirements. We only lend funds to established businesses. We do not lend to first time buyers, investors and rehabbers. The business must have a successful track record as an investor to qualify for a STABBL loan.

Step Three...


All loan agreements and lending data is uploaded into our loan matrix software to be tracked for the duration of the loan. Our dynamic tracking system maintains a detailed log of every loan, borrower and payment schedule. A STABBL Loan Health Report with updated property data, market values and comparables is generated and reviewed each Month by the loan supervisor.

Ligon Capital's STABBL Loan

As an Investor with Ligon Capital, your role is super simple. You supply funds for one individual transaction at a time. There are no group funds or multiple investor transactions. 

For example:

We supply “You” (the investor) with a STABBL loan request for $200,000 at 8.5% interest over 5 months. You accept the loan and wire the funds within 24 hours of acceptance to the bank for the closing. You will then receive a payment each month as well as a status report for the duration of the loan term. At the completion of the loan, you will be repaid in full and be ready to invest again. Our investors like to refer to the simplicity of our investments as “Mail-Box-Money”. Our firm handles the entire process, while you simply receive a payment each month in the mail. (or electronically)


Ligon Capital’s STABBL loans are the easiest way to invest your money for passive income returns. Whether you compare; ROI, Aggravation, Volatility or Risk, No other investment even comes close.

STABBL vs Savings Accounts...


According to the FDIC, the national average interest rate on savings accounts stands at 0.04% APY. This applies to both average and jumbo deposits. This means that if you have your money parked in a savings account, you aren’t making anything on your hard earned cash. The bank uses your money for transactions each day, yet you don’t see a dime. With Ligon Capital, you receive on average an 8%-9.5% return on a super low-risk, short term investment that you can repeat over and over again.

STABBL vs Rental Properties...


As any investor knows, rental properties can be a great way to generate residual income. However, they come with the headache of dealing with tenants. The national average ROI on a rental property is $100 to $200 a month over the existing mortgage. If the property is owned outright the ROI is approximately 8.5-10%. The issue with rental properties is the constant maintenance and overall aggravation of dealing with renters. Because the return is only a few hundred dollars each month, in order to have a truly thriving profitable rental investment portfolio, you need to have an enormous amount of properties. One small investment with Ligon Capital on average yields $1,000 a month with zero aggravation.

STABBL vs Flipping Houses...


Seasoned investors are typically known for flipping houses. This method has been popularized by Cable TV and shows on HGTV. It can be a very lucrative way of investing, but to be a successful flipper, you need an ongoing rehab machine. This means marketing and advertising for deals, a procedure for cultivating and dealing with leads and a full team to handle the remodeling process. Anyone that’s attempted to flip one or two deals a year will tell you it’s not worth the headache if you’re not planning on scaling. Ligon Capital’s STABBL loans allow you to have a continuous return on your invested money, with zero effort and no aggravation dealing with rehabs.

STABBL vs Stock Market Trading...


Can investors make any money in the stock market? Yes, but almost never on a short term basis. Every seasoned investor knows that the best way to play the stock market is in long term investments. Even if you have invested in the stock market, because of the volatility and the fact that you have zero control over what happens, it’s a good idea to diversify your investment portfolio. Ligon Capital’s STABBL loans are a short term, low risk way to invest your money for fast gains. And contrary to stock trading, your money is protected by real property and secured by a mortgage. 


"I've done it all and I like this better!"...


"To make a long story short, I’ve done all kinds of investing. I’ve had the rentals, I’ve done the fixer uppers and I’ve even flipped luxury cars. I invest money wherever I can get a profitable return. After doing a few STABBL loan investments with Ligon Capital, I don’t bother with any other investments. Not only do I invest my additional income with the Ligons, I’ve found a way to make even more money with borrowed money. I got a line of credit from my bank at 3.75% and provide those funds to the Ligons and receive an 8%-9.5% rate on my money, allowing me to make around 4.5% on the banks money. Like I said, I’m always looking for the best way to invest and I found it.  I’m an investor for life."

– Tony T (Miami, Fl)

"Just wanted a simple way to see a return on my money"...


"I was looking for a way to invest my money that didn’t involve my time. I’m a Doctor by trade so I don’t have the time to remodel homes or day trade stocks. I went to my bank and they pitched me on several ideas like CD and IRA’s but it’ll take thirty years before I see any significant return from those kinds of investments. Then I met David Ligon at a Business Convention and he told me about their STABBL loans. I don’t know anything about real estate, but this method of investing has allowed me to turn my money over several times and all I have to do is wire the funds and wait for the deposits. I’m extremely happy with my decision to invest with the Ligons and will continue to do so."

– Dr. J Knowles (Parkland, FL)

"My days of being a landlord are over"...

"I’ve been a landlord for over a decade. At one point I had 10 rentals that I managed myself. I had a management company for years, but in my experience they really only acted as a buffer between me and my tenants. I still had to deal with all the issues eventually. It was fine when I was younger, but now I just wanted a place where I can invest my money and get a nice cash flow back without any headaches.  I’ve bought several homes from the Ligon Brothers over the years and when I saw that they were looking for Investors, it was a simple decision to jump on board. If you’re a landlord and you just want the cash flow without the tenants, the STABBL loan program is a great option. I can fund several deals and collect payments just like rentals, but without having to worry about the typical issues that come with having rentals."

 – P. Thomas (West Palm Beach, FL)

"I'm not an investor, so I like the simplicity"...

"I’m not an investor. I’ve actually never invested in anything. To be honest I was just afraid to take a chance on anything. I developed specialty software for the private boating industry and I receive residual income from my designs. I was looking for a trust worthy company that could teach me about real estate and I found the Ligon Brothers. They had a few books and some real estate courses so I started learning about Investing. I booked a call with Michael Ligon to discuss what my best investment options were, and that’s when I found out about the STABBL loans. For me this type of investment is great. No long term commitment. I get to make micro investments of $250k to $300k at a time and I can do as many or as little as I feel comfortable with. I’m very happy with this partnership and I look forward to growing it with Ligon Capital."

– W. Leiberman

  • What Are The Risks?
    All loans are secured by mortgages placed on the subject property. The maximum LTV ratio for our loans is 75%. By maintaining a low LTV ratio, the lending risk factors are minimal.
  • What Happens When a Loan Defaults?
    In the rare case of a borrower defaulting on a loan we have two simple options for securing the investment. We first would try to arrange a Deed In Lieu where the borrower deeds us the property as the lender. We then liquidate the asset and repay all principle and interest in arrears. The second option would be to initiate a foreclosure against the borrower. Florida law then allows us to charge up to 18% default interest rate during the default period. Once the property is foreclosed you the investor would receive any missed interest payments and default interest on top of your standard rate
  • How Do You Qualify the Borrowers
    All Borrowers are fully vetted and must have a healthy track record as investors, rehabber, remodelers or flippers. We do not loan to individuals or first time buyers. All loans are B2B (Business to Business). We only loan funds to approved, experienced and stable businesses and investors.
  • Can I Invest in More Than One Deal at a Time?
    Yes. You can invest in as many STABBL loans as you want. Each loan is specific to one property and one investor. There are no group investments or funds. Each investor can invest in as many STABBL loans as they want or can fund.
  • What is The Typical ROI (Return on Investment)
    As an investor you will receive between 8% – 9.5% interest for each STABBL loan you invest in for the duration of the loan. Loan duration, interest and projected profits will be provided prior to any investment. Interest payments are distributed monthly as received from borrower.

Investing involves risk, including loss of principal. Past performance does not guarantee or indicate future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. While the data we use from third parties is believed to be reliable, we cannot ensure the accuracy or completeness of data provided by investors or other third parties. Neither Ligon Capital nor any of its affiliates provide tax advice and do not represent in any manner that the outcomes described herein will result in any particular tax consequence. Offers to sell, or solicitations of offers to buy, any security can only be made through official offering documents that contain important information about investment objectives, risks, fees and expenses. Prospective investors should consult with a tax or legal adviser before making any investment decision. Visit our Disclosure page for additional information.

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