Built for the speed of the
1st Private Capital, Inc. is a nationwide business-purpose lender with four loan programs: hard money bridge loans that let investors move like cash, fix and flip and ground-up construction loans that fund the work, and DSCR rental loans that let them hold what they build. We exist because real estate investors lose good deals waiting on slow capital - and they should not have to.
Four convictions, held all the way through a loan.
In real estate, the investor who can close is the investor who wins the negotiation. Certainty of execution is worth real money, and a lender's job is to protect it - not burn it in process.
Investors with genuine skin in the game have already answered the hardest underwriting question. When the sponsor and the collateral are strong, the process should be short.
Decisions made by the people who own them are faster and better. We do not outsource judgment to committees or third parties - the people who evaluate your deal are the people who answer for it.
We use technology to shorten the path between your submission and a decision. What we will not do is put software between you and a straight answer.
Direct, in-house, and fast on purpose.
The operating model is simple: keep the decision close to the conversation. You deal with the people who can actually say yes.
No layers, no handlers, no ticket queues. Questions go to decision-makers, and answers come back the same way.
Underwriting happens inside the company, by people accountable for the outcome. That is what makes the answers fast - and makes them stick.
Send a complete submission and you get a term sheet instantly. Not an auto-reply, a term sheet. Then you close in 2 weeks.
Three relationships. One standard.
Operators with real equity in the deal - acquisitions and repositions funded on a bridge timeline, then held for the long term on a DSCR loan. One partner for building a portfolio.
Fast scenario review, referral protection, and direct access to the people who decide - so your client closes and you keep the relationship.
Capital placed against real estate, underwritten in-house with discipline and clear communication.
The people behind the answers.
Every loan here is decided by a person you can reach. This is who picks up.
Founder, 1st Private Capital, Inc.
Marcus founded 1st Private Capital to remove the friction from funding. The company uses technology to shorten the path from submission to decision, so the term sheet is instant and the loan closes in 2 weeks. He decides every loan the company makes.
He has spent more than twenty years in real estate finance, more than a decade of it in private money, and is based in Los Angeles.
Our mission is exactly what it says on the door: bridge funding, no friction - capital that moves as fast as the investors it backs.
Ready when the deal is.
Instant term sheet. Close in 2 weeks.