No. We are a connector. We take the details of your deal and put it in front of private and hard money lenders who fund that profile. The lender underwrites, approves and sets the terms, and you deal with them directly from that point.

What rate and leverage can I expect?

We do not quote rates, points or loan-to-value on a call, because the lender sets them after reviewing the deal, the property and your experience. Anyone who gives you a number before seeing the file is guessing, and you would plan around a guess.

Do you finance owner-occupied homes?

No. This is investment and business-purpose lending only: rentals, flips, bridge situations and construction. If you are buying a house to live in, a conventional mortgage broker is the right call and we will tell you so.

Can a first-time investor get funded?

Sometimes, on the right deal. Experience matters to most private lenders, so a first project usually needs stronger numbers, more money down, or a partner with a track record. Tell us honestly where you are and we will say whether it is realistic rather than waste your week.

How fast can a deal close?

Private money is usually chosen for speed, and these loans can move considerably faster than bank financing. Actual timing depends on the lender, the title work and how quickly documents arrive from you, so we will not promise a closing date on a first call.

What do you need from me to start?

The property address, the purchase price or current value, what is owed on it, the amount you need, what the money is for, and roughly how many deals you have done. That is enough to know whether it fits private lending at all.

Nationwide · Private & hard money

Funding for the deal that will not wait for a bank

Fix and flip, bridge, long-term rental and ground-up construction financing for real estate investors. Tell us the deal, we put it in front of lenders who fund that profile, and you talk terms with the one that fits. We are a connector, not the lender — we say that up front because it changes what you should expect from us.

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Get a free loan quote

Tell us about the deal and we will come back to you quickly.

Loan products

Financing built around what the property is actually doing

Different projects fail for different reasons, so they are underwritten differently. These are the profiles we place most often.

Fix & flip

Purchase or refinance a project you intend to renovate and resell, with terms commonly running up to 24 months and renovation budget released in draws. The exit is the sale, so the after-repair value and your schedule carry the most weight.

Single-family bridge

Short-term money on a property you are not rehabbing — covering the gap between buying and refinancing, or between selling one asset and closing on another. The exit has to be evidenced, not described.

Multi-family bridge

Purchase or refinance 2–4 unit, 5-plus unit and mixed-use property, typically while you stabilise occupancy or income before putting long-term financing in place.

DSCR loans

Qualify on the property's rent rather than your tax return. The ratio is the rent measured against principal, interest, taxes, insurance and dues — and it is how most buy-and-hold lending is now underwritten.

Rental property loans

Buy-and-hold financing for acquisition, refinance and portfolio growth. Which product fits depends on whether the property is let, vacant, or not yet habitable.

Long-term rental

Permanent takeout financing — the planned exit from a flip or bridge when you decide to keep the property instead of selling it.

Cash-out refinance

Release capital from a property you already own to fund the next deal, instead of selling an asset that is performing. Seasoning is the question that catches most investors out.

Ground-up construction

New single-family construction funded in stages against verified progress. Plans, permits, a builder with a record and a realistic draw schedule matter more than anything else in the file.

No-appraisal loans

Seasoned investors can qualify to skip the appraisal on eligible deals, with value taken from alternative valuation instead. Your record substitutes for the inspection, which is why first projects do not qualify.

Where we lend

Forty-five states, and five we will tell you about up front

We place investment-property loans in 45 states. Five are currently unavailable — Oregon, Nevada, South Dakota, Minnesota and Vermont — and you should know that before you put a property under contract rather than after. Coverage differs between the lenders we work with and it does change, so a property in one of those five is still worth a conversation rather than an assumption.

Two conditions apply everywhere we lend, and both catch people out often enough to repeat here: these are non-owner-occupied investment and business-purpose loans only, and they are generally made to a borrower entity rather than to you personally. The rules that govern a deal are those of the state the property sits in, not the state you live in — investing across state lines is a normal pattern, not a complication. The full picture is on our lending market page.

How it works

Three steps, and honesty at the first one

Tell us the deal

The property, the numbers, the amount, the timeline and your experience. If it plainly does not fit private lending, we will say so on that call instead of taking your week.

We place it

We put the deal in front of lenders who fund that profile and gather the documents they ask for. Underwriting, approval and terms are theirs, not ours.

You review and close

Terms come to you in writing from the lender. You compare them, ask questions, and close — or walk away, which costs you nothing.

Who we fund

Wholesalers, rehabbers, landlords and builders

The investor private money actually suits

Someone with a deal that has a clear exit and a clock on it. A bank can often beat a private lender on rate and rarely beats one on speed or flexibility, so the trade is deliberate: you pay more for money that arrives in time to do the deal.

When we will tell you not to bother

If the numbers only work at perfect execution, if there is no realistic exit, or if the property is your own home. Owner-occupied residential is outside what these lenders do, and we would rather lose the enquiry than route you somewhere wrong.

What we will not do

We do not quote rates, points or leverage before a lender has seen the file, and we do not use the words approved or guaranteed. We are not a bank, a mortgage broker, a law firm or an accountancy, and nothing here is legal, tax or investment advice.

What it costs to ask

Nothing. There is no fee to submit a deal and no obligation attached to reviewing terms. Read our Terms of Service for how we handle enquiries, and our Privacy Policy for what happens to your information.

Straight answers

What investors ask before they send a deal

Are you the lender?: No. We connect your deal to private and hard money lenders. They underwrite, approve and set terms; you deal with them directly from there.
What rate and leverage can I expect?: We will not quote either before a lender has read the file. Rates, points and loan-to-value depend on the deal, the property and your track record.
Do you finance owner-occupied homes?: No — investment and business-purpose only. If you are buying a home to live in, a conventional broker is the right call.
Can a first-time investor get funded?: Sometimes, on the right deal. A first project usually needs stronger numbers, more money down, or an experienced partner.
How fast can it close?: Faster than bank financing as a rule, but the date depends on the lender, title, and how quickly your documents arrive. We will not promise a closing date on a first call.
What do you need to start?: Address, purchase price or value, what is owed, how much you need, what it is for, and roughly how many deals you have done.