The financing you need to move
forward with your real estate goals
is waiting for you.

Loan Programs

Private Capital Lending offers a diverse selection of hard money loans in all 50 states. No matter where you are located and what type of real estate project you are looking to finance, we can match you with the loan program which will help you to achieve your goals.

Fix and Flip

New Construction

Cash Out Refinance

Rental Property Loans

Experience Level

Any

High

Any

Any

Credit Score

600

600

600

600

Interest Rate

7.99% - 11%

9% - 12%

7.99% - 11%

5% - 7%

Points

0% - 2%

2% - 4%

2% - 4%

2% - 3%

Eligible For
0-Point Option?

Yes

No

No

No

Advance Rate
on Purchase

Up to 90%

Up to 65% (land value)

N/A

Up to 80%

Advance Rate on Rehab
or New Construction

100% of cost

100% of cost

100% of cost

N/A

Cash Out Refinance
on Current Value

N/A

N/A

Up to 70%

Up to 80%

Loan % to After
Rehab Value

65% - 75%

55% - 65%

N/A

N/A

Property Types

Single Family, Multi Family,
Mixed Use

Single Family, Multi Family,
Mixed Use

Single Family, Multi Family,
Mixed Use

Single Family, Multi Family,
Mixed Use

Pre-Payment
Penalty

No

No

No

No

Extension Available

Yes

Yes

Yes

N/A

Cross Collateral /
Blanket Loans

Yes

Yes

Yes

Yes

Loan Size

$150K - $5M

$250K - $5M

$150K - $5M

$150K - $5M

Loan Terms

12 - 24 Months

12 - 24 Months

12 - 24 Months

360 Months

We Offer These Nationwide Loan Programs

Fix & Flip Loans

With a fix & flip loan, you can get the rapid financing you need to purchase a property, turn it around, and resell it within a short timeframe. We can finance up to 90% LTV of the purchase price and up to 100% of the rehab cost.

12 or 24-Month Loan Terms

Get short-term financing when you need it. With these loans, you can pay your loan off on a schedule which is right for you without worrying about the prepayment penalties.

Purchases

We offer a variety of real estate purchase loans which you can use to buy a wide range of properties.

New Construction

Build a new residential or commercial property using one of our construction loans. We can provide up to 65% financing for land acquisition and up to 100% of construction cost.

Cash-Out Refinancing

Get the cash you need in less than 10 days to consolidate debt or purchase a new property. Receive cash out up to 70% LTV for residential, mixed use and commercial properties.

Rental Property Loans

We offer 30 year term loans for investors for 1-4 family homes, mixed use, multi family and condominiums. 80% LTV for purchases and cash out refinance rates start as low as 5.5%.

Mixed Use Properties

Purchase or refinance mixed use properties. We offer competitive rates and can close in as little as 10 days.

Multi Family Financing

Our multi-family financing products make it a breeze to move quickly on a valuable apartment complex. We also offer multi-family construction loans if you plan to build an apartment complex from the ground up.

Commercial Loans

For every commercial real estate need, we offer an assortment of lending products. Whether you need to purchase real estate, refinance a building, construct new property, or buy a vacant lot, we can offer a solution for every timeframe and scenario.

Permanent Financing

While many of our commercial lending products are short-term in nature, we do offer permanent financing for those who are looking for a long-term lending solution. Loan terms of up to 30 years are available.

Apply for Fast, Flexible Financing For Your Project Now

The financing you need to move forward with your real estate goals is waiting for you. Whether you need help choosing a loan product or you are ready to apply now, please email info@privatecaplending.com or call (877) 689-0696 to get started. We look forward to working with you.

Ready to get started?

(877) 689-0696

Fix and Flip

New Construction

Cash Out Refinance

Rental Property Loans

Experience Level

Any

High

Any

Any

Credit Score

600

600

600

600

Interest Rate

7.99% - 11%

9% - 12%

7.99% - 11%

5% - 7%

Points

0% - 2%

2% - 4%

2% - 4%

2% - 3%

Eligible For
0-Point Option?

Yes

No

No

No

Advance Rate
on Purchase

Up to 90%

Up to 65% (land value)

N/A

Up to 80%

Advance Rate on Rehab
or New Construction

100% of cost

100% of cost

100% of cost

N/A

Cash Out Refinance
on Current Value

N/A

N/A

Up to 70%

Up to 80%

Loan % to After
Rehab Value

65% - 75%

55% - 65%

N/A

N/A

Property Types

Single Family, Multi Family,
Mixed Use

Single Family, Multi Family,
Mixed Use

Single Family, Multi Family,
Mixed Use

Single Family, Multi Family,
Mixed Use

Pre-Payment
Penalty

No

No

No

No

Extension Available

Yes

Yes

Yes

N/A

Cross Collateral /
Blanket Loans

Yes

Yes

Yes

Yes

Loan Size

$150K - $5M

$250K - $5M

$150K - $5M

$150K - $5M

Loan Terms

12 - 24 Months

12 - 24 Months

12 - 24 Months

360 Months