Commercial Private Loans
What is a Private Loan?
A private money commercial loan is fast funding option that is not limited by traditional financing conditions set by banks and SBA organizations. Private loans are backed by individual investors or private groups, which allow flexible financing terms. No more lengthy conventional loan underwriting, document verification, and income verification processes.
Private Loan Benefits:
- Funded by private lenders, not institutions like banks or credit unions.
- Asset-based: The loan is primarily secured by the value of the property or asset, not the borrower’s credit.
- Faster approval and funding: Often funded within days or weeks, ideal for time-sensitive deals with delinquent property owners or distressed business owners.
- Flexible terms: Lenders may tailor loan structures creatively to suit your needs with customized repayment terms.
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Why Should You Use One?
- You face a time sensitive deadline to secure real estate property
- Traditional loans are too slow to help you capture rapidly growing demand in your industry
- You need to quickly scale and open up new locations to outpace competition
- You need a short-term solution to bridge you over to other financing options available at a later time
- You believe you can negotiate more favorable terms or better interest rate for long-term financing in future years
Common Uses:
- Purchasing or refinancing commercial properties
- Fix-and-flip or value-add real estate investments
- Bridge financing while waiting for permanent funding
- Financing projects that don't qualify for traditional loans (e.g., seasonal income gaps, unconventional properties, poor credit).
This loan is not ideal if the following apply to you. Please see our other loan options available here.
- If you don’t have a plan for exiting the loan (like refinancing, selling an asset, or securing long-term financing).
- If you need funding for more than 2 years duration.
- If your business or property doesn’t generate enough income to cover the bridge loan monthly payments.
- If you're relying on a future property sale or value increase that is not in writing.
Is This Loan Right for You?
Request your Free 30 Minute Consultation to talk with one of our experts about your real estate or business situation. We'll help you brainstorm creative loan options and explore various financing solutions.