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Private Money Loans

When traditional lenders say no, private money loans can say yes. Whether you’re an investor looking to move quickly or someone with unique financial circumstances, private money loans offer speed, flexibility, and opportunity that conventional financing often can’t match.

Private money loans are short-term, asset-based loans funded by private individuals or companies instead of banks or credit unions. These loans are typically secured by real estate and are commonly used by real estate investors, house flippers, or borrowers who don’t qualify for traditional financing.

Key Features:

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Quick approval and funding:

Often within days, not weeks

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Flexible terms

Terms are negotiated directly with the lender

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Credit isn’t the main factor

Approval is based more on property value than credit score

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Higher interest rates and fees

Reflect the higher risk taken by the lender

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Short loan terms

Typically 6–24 months, with balloon payments

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All Types of Properties

Can finance residential and commercial properties

Who Uses Private Money Loans?

  • Real estate investors needing fast funding for fix-and-flip projects

  • Buyers who need to close quickly on an opportunity

  • Self-employed or non-traditional borrowers who can’t meet strict underwriting rules

  • Borrowers looking to renovate or reposition a property before refinancing into a traditional mortgage

Pros and Cons of Private Money Loans

Pros:

  • Fast funding

  • Lenient approval criteria

  • Opportunity to finance unconventional or distressed properties

Cons:

  • Higher interest rates and fees

  • Shorter repayment periods

  • Risk of foreclosure if exit strategy fails

Is a Private Money Loan Right for You?

Private money loans aren’t for everyone — but if you need speed, flexibility, and funding based on property value rather than perfect credit, they might be the tool you need to seize your next opportunity.

👉 Talk to our team today to learn how private lending could work for your next deal or investment.

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