Panama Capital Investment

Unlock Your
Financial
Potential

A boutique investment brokerage delivering innovative, personalized solutions in real estate, commercial acquisition, and private business funding.

Book a Call Explore Services
5+
Years of Excellence
3
Core Services
100%
Client-Centric
Eleazer Graham – Panama Capital Investment
2020
Founded
Our Story

Building Wealth Through Expert Guidance

Panama Capital Investment was founded in 2020 as a boutique investment brokerage with a focus on providing innovative solutions to clients in the Real Estate Market. Led by Eleazer Graham, our team carries a deep understanding of the real estate industry and an unwavering commitment to every client we serve.

Over the years, we have expanded our services to include Real Estate Purchase, Commercial Acquisition, and Private Business Funding — now serving clients across the region from our base in Tampa, Florida.

🤝
Client-Centric
We prioritize long-term relationships over short-term transactions.
🎯
Personalized
Solutions tailored to your specific financial needs and goals.
📈
Results Driven
Our strategies are built around measurable outcomes for you.
🔒
Trusted
Transparent advice with your best interests at heart — always.
What We Do

Our Core Services

Get Started
Real Estate
01

Real Estate Purchase

From first-time homebuyers to seasoned investors, we guide you through every step of the real estate acquisition process with clarity and confidence.

  • Pre-approval & qualification
  • Loan type matching (FHA, VA, Conventional, USDA)
  • Debt-to-income analysis
  • Closing cost guidance
  • Real-time process updates
Commercial Real Estate
02

Commercial Acquisition

Strategic commercial real estate funding solutions designed for businesses looking to expand, invest, or acquire commercial properties.

  • Commercial property financing
  • Investment property loans
  • Multi-unit acquisitions
  • Competitive rate structuring
  • Customized deal strategy
Business Funding
03

Private Business Funding

Access capital to grow your business through our tailored funding programs — from term loans to business and personal credit solutions.

  • Term loan programs (9–15%)
  • Business credit card programs
  • Personal credit card programs
  • Funding in 7–15 business days
  • No upfront fees
Funding Programs

Capital Access, Your Way

Our funding program suite is designed to match businesses and individuals at every stage — whether you're building credit, launching a venture, or scaling operations.

Term Loan
Term Loan Program
Rates: 9–15% (credit-dependent)
  • No minimum time in business
  • Fixed monthly payment
  • No upfront fees
  • Full liquidity immediately
  • Funding in 7–15 business days
Requirements
  • 680+ personal credit score (all 3 bureaus)
  • 2 years tax returns showing $50K+ taxable income
Business Credit
Business Credit Card Program
0% Interest for 6–12 months
  • No minimum time in business
  • Stated income
  • No upfront fees
  • Reports only to the business
Requirements
  • 700+ personal credit score (all 3 bureaus)
  • Established business entity
Personal Credit
Personal Credit Card Program
National "A" Tier Lenders
  • Build credit with national lenders
  • Access additional working capital
  • Become eligible for future funding
  • Maximize funding received
Requirements
  • 700+ personal credit score (all 3 bureaus)
📋
Apply
›
👤
Consult
›
🎯
Funded
Resources

Financial Education

Knowledge is the foundation of smart investing. We equip our clients with the tools to understand every step of the mortgage and funding process.

Understanding Debt-to-Income Ratio

Your DTI ratio is calculated by dividing your total monthly debts by your gross monthly income. For example, $2,325 in monthly debt obligations against a $7,000 gross income equals a 33% DTI — a healthy range for most lenders. Understanding this ratio helps you know where you stand before applying.

Closing Costs Explained

Closing costs typically range between 2–5% of the purchase price and are shared between buyers and sellers. These include title & escrow fees, lender fees, homeowner's insurance, and more. You'll receive a Loan Estimate within 3 days of application and a Closing Disclosure before signing — review both carefully.

The Mortgage Process: Step by Step

From pre-approval to moving in, the process involves: Pre-Approval → Under Contract → Application Submission → Loan Estimate → Disclosures → Appraisal → Underwriting → Conditional Approval → Final Approval → Closing Disclosure → Settlement → Funding → Move In.

10 Tips for a Successful Loan

Don't leave your job, apply for new credit, make large deposits, or co-sign on debt during the process. Do keep bank accounts positive, pay debts on time, and always consult your Mortgage Loan Originator before paying disputed collection accounts.

Loan Types

4 Most Common Loan Types

FHA Loans
FHA Loan
  • 96.5% LTV
  • Low down payment
  • Low credit score options
  • Easier to qualify
  • Purchase, Refi, Renovate
  • Fixed or Adjustable
  • 1–4 units
Conventional
Conventional Loan
  • 95% LTV
  • More financing options
  • Good credit required
  • All occupancy types
  • Purchase, Refi, Renovate
  • Fixed or Adjustable
  • 1–4 units
VA Loans
VA Loan
  • Zero down payment
  • Low payments
  • Veterans only
  • No mortgage insurance
  • Purchase, Refi, Assumable
  • Fixed or Adjustable
  • 1–4 units
USDA Rural
USDA Rural Loan
  • Zero down payment
  • Low payments
  • Good credit required
  • Rural areas only
  • Purchase or Refi
  • Fixed or Adjustable
  • 1 unit
Eleazer Graham
EG
Meet Your Advisor

Eleazer Graham

Eleazer Graham is the founder and principal advisor at Panama Capital Investment. With a passion for empowering clients through financial literacy and access to capital, Eleazer brings a personalized, hands-on approach to every client relationship.

Whether you're a first-time homebuyer, a business owner seeking funding, or an investor expanding your portfolio, Eleazer's commitment is simple: your best interest, always.

Book a 30-Min Call Send a Message

Ready to Invest in Your Future?

Schedule a consultation with our team and take the first step toward financial freedom.

Book a Consultation Call 813.713.1821
Get In Touch

We Have Your Best
Interest in Mind

Send us a message to find out how we can meet your needs. Tell us a little about your situation and we'll get back to you as soon as possible.

📞
Phone
813.713.1821
✉️
Email
[email protected]
📅
Schedule a Call
Book a 30-Min Consultation
Website
PanamaCapitalInvestment.com
📍
Location
Tampa, Florida, United States
📱
Social
@panama_mortgage