Hard Money Bridge Loans Built to Move
1st Private Capital is a hard money lender providing private bridge loans for real estate investors who need to move faster than traditional financing allows.
Our hard money loans are based on the property, the equity, and the opportunity - not a slow, rigid approval process.
Built Around the Deal
We underwrite the substance of the transaction, and every decision is made in house. When we review a loan, our underwriting focuses primarily on:
- The property
- Available equity
- The opportunity
- The loan structure
- The exit strategy
Structured for Stronger Transactions
Our typical structure generally requires approximately 30% to 35% investor equity, depending on the property, the loan amount, and the transaction.
That is a feature, not a hurdle. Investors with real equity close faster, negotiate harder, and get taken seriously by sellers. And that same structure is what lets us lend without a traditional appraisal and fund in days.
Hard Money Without the Friction
Everything about the process is built to shorten the distance between your opportunity and your funding.
Private Money Loans for Every Stage of the Deal
Bridge lending is the core of what we do, from straightforward acquisitions to commercial hard money loans and structures that take real underwriting to get right.
- Acquisition bridge loans
- Refinance bridge loans
- Junior liens
- Cross-collateralized loans
- Commercial bridge loans
- Multifamily bridge loans
- Special-situation loans
Fix-and-flip and DSCR financing are also available when the deal calls for them.
Non-Owner-Occupied Real Estate
Our loans are business-purpose loans secured by investment real estate.
Where Hard Money Bridge Loans Earn Their Keep
The situations below have one thing in common: the deal is real, and the clock is the problem.
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Fast property acquisition
A purchase that has to close on the seller's timeline, not a bank's.
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Maturing private loan
An existing private money loan is coming due and needs to be replaced before the deadline.
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Cash-out refinance
Pulling equity out of a property you already own to fund the next opportunity.
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Second-position loan
The existing first lien is worth keeping, but the project needs more capital behind it.
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Additional collateral structure
Equity in other properties can support a loan the subject property cannot carry alone.
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Unstabilized property
The asset is not yet leased, finished, or seasoned, so conventional lenders will not touch it yet.
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Complex or time-sensitive transaction
The deal is sound, but it needs a lender who can underwrite nuance on a deadline.
Seven Answers. That Is the Application.
A term sheet starts with the deal itself - no application packet and no upfront document pile. Send us these seven items and we can respond the same day.
- Property address
- Required
- Requested loan amount
- Required
- Purchase price or current value
- Required
- Existing debt
- Required
- Use of funds
- Required
- Exit strategy
- Required
- Target closing date
- Required
Four Steps From Deal to Funding
No mystery, no maze. This is the whole process.
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01
Send us the deal.
Share the property, the numbers, and your plan.
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02
Receive a term sheet.
Clear terms, in writing, the same day.
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03
Complete the required documentation.
A short list, handled directly with our team.
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04
Close and fund.
Funding as fast as one day once everything is in.
Hard Money, Answered Plainly
Straight answers to the questions investors ask us most.
What is a hard money loan?
A hard money loan is a private money loan secured by real estate. Approval is based primarily on the asset - the property and the equity behind it - rather than on a conventional credit-driven process. Our hard money loans are made for business purposes and secured by non-owner-occupied real estate.
How quickly can you close?
Term sheets are issued the same day, and funding can happen as fast as one day once the required documentation is complete. Most of that speed comes from keeping every decision in house.
Do you require an appraisal?
No traditional appraisal is required. We evaluate the property, the equity, and the transaction in house, which removes one of the slowest steps in conventional lending.
How much equity is required?
The typical structure generally requires approximately 30% to 35% investor equity, depending on the property, the loan amount, and the transaction. Real equity is what allows us to move quickly.
What types of properties do you finance?
We lend on non-owner-occupied real estate: single-family investment property, multifamily, mixed-use, commercial, and land when appropriate.
Do you offer junior liens?
Yes. We structure second-position and other junior lien loans behind existing debt when the equity supports it.
Can multiple properties be used as collateral?
Yes. Cross-collateralized structures put equity across multiple properties to work in a single loan.
Where do you lend?
Our lending is focused on business-purpose loans secured by non-owner-occupied real estate. The fastest way to find out whether a specific property qualifies is to send us the deal - your term sheet will reflect whether we can lend on it.