Capital, placed with
An inside look at how 1st Private Capital underwrites and secures its loans, and how private individuals can start a conversation about becoming capital partners.
This page is informational only. It is not an offer or a solicitation of any kind. See the disclosure below.
A hard money bridge lender, plainly.
1st Private Capital, Inc. is a hard money bridge lender. We make short-term loans to real estate investors - people acquiring, refinancing, or repositioning investment property who need to move faster than traditional financing allows.
Every loan is for business purposes only and is secured by real estate. Eligibility is determined by the use of proceeds, underwriting, documentation, and applicable law.
Underwriting happens in-house. The people who review a deal are the people who approve it, and the same discipline that makes us fast for borrowers is what keeps the loan book sound.
The loan book, by type.
Short-term bridge loans across a defined set of transaction types, each secured by real property.
- Bridge loans for acquisitions
- Bridge loans for refinances
- Junior liens behind existing financing
- Cross-collateralized loans across multiple properties
- Commercial bridge loans
- Multifamily bridge loans
- Special situations - complex or time-sensitive transactions
Asset-based, in-house, five questions.
We underwrite the deal, not a credit score. Five things decide every loan, and all five are evaluated by our own team.
What the asset is, what it is worth today, and what it can be.
Real investor equity in the transaction - the borrower's stake is the loan's strength.
A clear reason the deal makes money. We lend toward it, not around it.
Terms shaped to fit the transaction, so the loan works in practice and not just on paper.
A defined path to repayment - a sale or a refinance - before the loan is ever made.
How the loans are secured.
Every loan we originate is secured by real estate, with our security interest documented and recorded as a lien against the property.
Loans are typically structured with approximately 30% to 35% investor equity in the transaction. That equity positioning is the core of the structure: the borrower has real capital at stake ahead of the loan, which aligns everyone at the closing table and keeps the loan sound.
Real estate lending involves risk, and no structure removes it. Equity positioning and recorded liens describe how we build loans - they are not a guarantee of any outcome.
Approximate investor equity in a typical transaction - a description of loan structure, not a promise of performance.
Deliberately unhurried.
Becoming a capital partner is a process, not a checkout page. It moves at the pace of understanding, in three plain steps.
We talk. You learn how we lend, what we do and do not do, and what being a capital partner involves. We learn what you are looking for and whether this is a sensible fit.
Before anything moves forward, we confirm that participation would be appropriate for you and complete the verification steps that apply to your situation.
Any participation happens only through definitive written documentation, reviewed at your own pace and with your own advisors, that governs its actual terms.
Start the conversation.
Tell us who you are and how to reach you. We will follow up to schedule an introduction conversation - no obligation on either side.
Already a capital partner? Log in here.
This page is provided for informational purposes only. Nothing on this page is an offer to sell, or a solicitation of an offer to buy, any security or any other investment, and nothing on this page should be read as a promise, projection, or guarantee of any return, yield, or outcome. Participation as a capital partner, if available at all, would be made available only to qualified persons and only through definitive written documentation that governs its actual terms, which would control over anything described here. Real estate lending involves risk, including the possible loss of capital. Prospective capital partners should rely on their own legal, tax, and financial advisors.
This page is a draft for review and completion by counsel.