A private money loan is money borrowed from a private individual or investment group instead of a bank. These loans are usually backed by real estate and are known for being fast and flexible.

• Speed: Banks can take weeks or months. Private money can close in days.

• Easier approval: Lenders main focus is on property value and operator experience.

• Flexibility: Terms are negotiable and designed to fit your project or situation.

• Real estate investors buying, fixing, or flipping homes.

• Buyers who need quick cash to beat out competing offers.

• Borrowers who may not qualify for a traditional loan due to credit or income.

• Owners refinancing when banks say “no.”

One to four Single-family residences.

We fund 70 to 90% of the purchase price. That is a 10-30% down payment.

• Interest rates: Usually 10-11% (higher than banks, but faster and easier).

• Points: 1-2 points.

• Fees: $995 for loan docs.

• Other costs: Borrower pays non-lender fees such as title, escrow.

We write loans for 6-12 months.

If everything is ready, we can fund in 3 days or less.

We don’t check credit.

Private money works best when you need speed, flexibility, or don’t qualify with a bank—but it’s usually not for long-term holding.