# 1st Private Capital

> 1st Private Capital, Inc. is a nationwide business-purpose hard money lender
> serving real estate investors. Bridge Funding. No Friction. Short-term
> financing secured by real estate, underwritten on the property, the equity,
> the use of funds, and the opportunity.

Business-purpose lending only. Nothing on this site is a loan approval or an
offer to lend. Every request is subject to underwriting and documentation.

## Core pages

- [Hard Money Loans Nationwide](https://www.1stprivatecapital.com/hard-money): What a hard money loan is, how fast term sheets and funding move, appraisal approach, property types, and a plain-English FAQ.
- [Request a Term Sheet](https://www.1stprivatecapital.com/request-term-sheet): Submit a scenario. Complete submissions receive a same-day term sheet.
- [About](https://www.1stprivatecapital.com/about): Who 1st Private Capital is and how the firm underwrites.
- [Contact](https://www.1stprivatecapital.com/contact): Phone, email, and office information.

## Partners

- [Brokers](https://www.1stprivatecapital.com/partners/brokers): Same-day term sheets on complete client scenarios, referral protection, and a direct line to the decision-makers.
- [Real Estate Professionals](https://www.1stprivatecapital.com/partners/real-estate-professionals): For agents, wholesalers, title, escrow, and attorneys with deals that need fast execution.
- [Private Investors and Capital Partners](https://www.1stprivatecapital.com/partners/private-investors): How 1st Private Capital underwrites and secures its bridge loans.

## Free investor tools

- [ARV Estimator](https://www.1stprivatecapital.com/tools/arv-estimator): Estimate after-repair value from comparable sales.
- [Renovation Budget Builder](https://www.1stprivatecapital.com/tools/budget-builder): Build a renovation budget by size, condition, and finish level.
- [Cross-Collateral Feasibility](https://www.1stprivatecapital.com/tools/cross-collateral-feasibility): Test whether combined equity across properties can support a request.
- [Draw Schedule Builder](https://www.1stprivatecapital.com/tools/draw-schedule-builder): Organize a renovation budget into construction draws.
- [Exit Strategy Stress Test](https://www.1stprivatecapital.com/tools/exit-strategy-stress-test): Pressure-test a deal against a lower sale price, longer timeline, and higher costs.

All tool outputs are illustrative planning aids, not underwriting criteria.

## Articles

- [Blog](https://www.1stprivatecapital.com/blog): Hard money lending and bridge financing, in plain English.
- [Why 35% Down Matters](https://www.1stprivatecapital.com/blog/equity-is-leverage-35-percent-down): What 35% borrower equity means for qualifying transactions.
- [Stop Comparing Apples to Oranges](https://www.1stprivatecapital.com/blog/stop-comparing-apples-to-oranges): Hard money loans and 30-year consumer mortgages solve different problems.
- [Why the Great Wealth Transfer Matters Now](https://www.1stprivatecapital.com/blog/why-the-great-wealth-transfer-matters-now): Inherited real estate and investor strategy.

## Legal

- [Licenses and Disclosures](https://www.1stprivatecapital.com/licenses-disclosures)
- [Terms of Use](https://www.1stprivatecapital.com/terms)
- [Privacy Policy](https://www.1stprivatecapital.com/privacy)