Private Money Loans


Private Money Loans, which are also called Hard Money Loans, are offered by private investors to borrowers based on the value of a real estate asset, rather than based on personal credit.  Because Private Money Loans require far less documentation than conventional loans, borrowers can typically have their loan funded in less than a week.  Private Money Loans are primarily based on the appraised value of and clear title to the property and the borrower’s exit strategy. You can find links below to more information about the different types of Private Money Loans.


Who Would Benefit from a Private Money Loan?

Private Money Loans are ideal for borrowers who would like to purchase an investment property or take cash out of a property for business purposes while relying primarily on real estate assets rather than personal credit for loan approval.


How It Works

There are three categories of people who can benefit from Private Money Loans:

  • Borrowers who are unable to qualify for institutional financing due to inability to verify income, assets, employment and/or credit. These borrowers may utilize Bridge Loans and Construction Loans.
  • Borrowers who may not have enough equity in a single property but do have enough equity spread across multiple properties. These borrowers may seek out Blanket Loans.
  • Borrowers who need cash very quickly and cannot wait 30-60 days for conventional financing, such as real estate investors buying a fix & flip or any other property in a competitive environment.


A Private Money Loan is designed to be a temporary solution, not a long-term loan.  For this reason, it is structured as a balloon with a term ranging from 6 months to 7 years. At that time, you would need to either pay off, sell, or refinance the loan.

One important advantage of a Private Money Loan is that it is granted more quickly than a conventional loan.  In fact, we usually close and fund our Private Money Loans within 3 to 7 business days, and often in as little as 48 hours.


Loan Programs Available


Program Highlights

  • No minimum FICO credit score
  • Loan amounts ranging from $200,000 to $20 million
  • Loan-to-value (LTV) ratios up to 70%
  • Loan terms from 6 months to 7 years
  • We originate 1st, 2nd and 3rd trust deeds
  • Equity partnerships available for Fix and Flip Loans
  • Loan closings within 3 to 7 business days


Getting Started

To help you determine if a Private Money Loan is right for you, please contact one of our licensed Loan Specialists by calling us directly at 844-574-LOAN (5626), by completing an application online.


Schedule a Loan Officer Consultation

To determine the right loan program with you, schedule some time with a loan officer to discuss your options. Call us at 844-574-5626 now or schedule a time to meet with a loan officer.





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