Hard Money Loans Built to
1st Private Capital provides nationwide business-purpose hard money loans for real estate investors who need to move faster than traditional financing allows.
Eligibility is determined by the use of loan proceeds and the strength of the deal. Owner-occupied properties may qualify when the funds are used for an eligible business purpose.
Built around the deal.
Five things shape a hard money loan here. None of them is a committee, a credit box, or a third party's calendar.
What it is worth today and what it can be - that is where underwriting starts.
Real equity in the transaction is what makes the loan strong and the decision fast.
A clear reason the deal makes money. We lend toward it, not around it.
The loan is shaped to fit the transaction - not the other way around.
A clear path to repayment - a sale or a refinance - anchors every loan.
Hard money without the friction.
Every step that slows a traditional loan down has been removed, rebuilt, or brought in-house.
Complete submissions get terms the same day.
Value is evaluated in-house - no waiting on third parties.
When the deal is ready, the capital is ready.
Junior liens, cross-collateral, and terms built around the deal.
The people who review the deal are the people who approve it.
You talk to decision-makers, not a call center.
Capital for the whole board.
Move on a purchase with cash-buyer speed and certainty.
Replace maturing debt or reset the clock while the exit comes together.
Second-position capital behind existing financing.
Use equity across multiple properties to structure the loan.
Bridge capital for retail, office, industrial, and other commercial assets.
Bridge capital for multifamily acquisitions, refinances, and repositions.
Complex, time-sensitive, or unstabilized transactions.
Real estate, evaluated by the deal.
- Single-family investment properties
- Owner-occupied real estate with eligible business-purpose proceeds
- Multifamily
- Mixed-use
- Commercial
- Land, when appropriate
- Other real estate
Where hard money wins.
A purchase contract with a short close date, where winning the deal depends on speed and certainty.
A conventional loan that stalled or was declined late in escrow, with a closing date that will not move.
An existing bridge or balloon note coming due before the long-term refinance or sale is ready.
A free-and-clear or low-leverage property, where a cash-out unlocks capital for the next opportunity.
A vacant, unstabilized, or mid-renovation asset that does not fit traditional underwriting today.
A time-boxed purchase that requires proof of funds and a fast, reliable close.
One partner exiting the deal, funded against the equity in the property.
Seven items. That is the file.
Send the basics and we can respond with terms and next steps. No published rate sheet or rigid online guideline replaces a review of the actual deal.
- Property address
- Requested loan amount
- Purchase price or current value
- Existing debt
- Exit strategy
- Target closing date
- Borrowing entity and contact information
From opportunity to funding.
Address, loan amount, value, existing debt, and exit. That is all we need to start.
Same-day terms on complete submissions, decided in-house.
A focused checklist - only what the transaction actually requires.
Funding as fast as one day. Compete and win on speed and certainty.
Questions, answered straight.
What is a hard money loan?
A hard money loan is short-term financing secured by real estate. It is underwritten on the property, the equity, the use of funds, and the opportunity. Investors use hard money to acquire, refinance, or unlock equity while a longer-term plan comes together.
How fast can you issue a term sheet?
Complete submissions receive a same-day term sheet. Send the property address, the requested loan amount, the purchase price or current value, any existing debt, the exit strategy, and the target closing date, and we respond with terms.
How fast can you fund?
Funding can move as fast as one day once terms are agreed and documentation is in place. Decisions are made in-house, so the timeline is usually driven by title and closing logistics rather than by our process.
Do you require a traditional appraisal?
No. We do not require a traditional appraisal. Value is evaluated in-house, which removes one of the slowest steps in a typical lending timeline.
Can the property be owner occupied?
Yes, in eligible scenarios. The use of loan proceeds determines whether a request is business purpose. Owner occupancy alone does not determine eligibility. Every request remains subject to underwriting, documentation, and applicable law.
Where do you lend?
Nationwide. Availability remains subject to the property, the business purpose, underwriting, documentation, and applicable law.
What types of properties do you lend on?
Single-family investment properties, eligible owner-occupied real estate, multifamily, mixed-use, commercial, land when appropriate, and other real estate. Loans are for business purposes only, and eligibility is determined by the use of proceeds.
Do you work with brokers?
Yes. Brokers get fast scenario reviews, direct access to the decision-makers, and a straight answer on whether a deal fits. Visit the Partners page to get started.
Ready to Move?
Tell us what you are working on. We will respond with terms and next steps.