Hard Money

What Is Hard Money?

Hard money is a form of private lending secured by real estate. Unlike traditional bank loans, which rely heavily on borrower creditworthiness and drawn-out underwriting, hard money focuses on one thing: the asset. If the deal makes sense, we fund it. Fast.

At 1st Private Capital, our hard money loans are designed for real estate investors, developers, and business owners who need capital without the roadblocks of institutional red tape. Our terms are transparent, timelines are aggressive, and underwriting is based on equity and execution.

Why Hard Money?

When time kills deals, hard money saves them. Whether you're acquiring, refinancing, renovating, or cross-collateralizing, we move faster than banks and offer creative structures to get your deal across the finish line.

Benefits of Hard Money Loans:

• Speed: Close in days, not weeks.

• No Appraisals: We lend based on internal evaluation and expertise.

• Asset-Based: We care more about the deal than your debt-to-income ratio.

• Flexible Structures: Mid-construction, second lien, and cross-collateralized? Done.

• No Contingencies: When we commit, we close.

How We Operate

Our process eliminates bottlenecks. At 1st Private Capital, every loan is handled in-house from start to finish. That means no third-party delays, no underwriting committees, and no guesswork.

Our Core Advantages:

• Same-Day Term Sheets: Get clear terms fast.

• In-House Underwriting: Direct communication and real answers.

• Streamlined Docs: Our loan docs are simple, legal, and tailored to investor speed.

• Pre-Closing Coordination: We work hand-in-hand with escrow, title, and your vendors.

• Integrated Workflow: We use automation and systems to ensure nothing falls through the cracks.

We're not just fast; we're structured. Each deal flows through our internal pipeline from Structure → Docs → Funding → Closing → Post-Close. You always know where your deal stands.

Who We Serve

We fund:

• Flippers acquiring distressed property.

• Buy-and-Hold Investors looking for short-term bridge capital.

• Mid-Construction Projects that need a second wind.

• Commercial Property Owners refinancing or repositioning.

• Developers looking to move fast with no red tape.

We also welcome:

• Referral Partners and Brokers: We protect your relationships and pay top-tier commissions.

• Passive Investors: Our capital partners receive vetted opportunities with full transparency.

Loan Types

Here are the most common scenarios we fund:

• Fix & Flip Loans
  Up to 80% of purchase, 100% of rehab. Close in 5 days or less.

• Bridge Loans
  For acquisition, refinance, or time-sensitive purchases.

• Second and Third Position Loans
  Cross-collateral and junior liens available where equity allows.

• Mid-Construction Loans
  Resume halted projects or recapitalize in-process renovations.

• Fix & Rent Loans
  Transitional loans to help investors stabilize before going DSCR.

• Blanket Loans
  Multiple properties, one loan. Ideal for portfolio leverage.

Why Investors Choose Us

Our borrowers return because we:

• Close without surprises.

• Solve problems others can't.

• Respect your time and experience.

• Communicate clearly and often.

At 1st Private Capital, we combine private money speed with institutional discipline. We underwrite like investors, because we are investors.