Private and Hard Money Facts

Private and Hard Money Guidelines

Asset-based lending is when loans are based on the value of real estate, such as an investment property, multifamily building, or commercial building, rather than strictly considering credit score and debt-to-income levels.

We can help you find common-sense, equity-based financing. We have a strong track record and have worked with a wide variety of investors. Thanks to years of experience, we are equipped to handle even the most complicated of lending scenarios and care more about the real estate you are purchasing or refinancing than inflexible bank requirements.

Financing for
Property Types
Hard Money Cash Out / Refinance Uses
Income Documentation Needed
Loan Term

Frequently Asked Questions(FAQs)

Private lenders are in the business of taking funds from private investors and making private business purpose loans with those funds. Investors expect a decent return from their investments, and the interest rate from money borrowed from banks is significantly higher than the banks are being charged for the funds.

Private lenders specifically offer private loans. As these loans can carry a higher level of risk, the interest rates are also a little higher than what you would get with a mortgage from a traditional bank. Since these rates are typically higher, they can often earn above average rates of return on their investment.


Generally speaking, private lenders will charge between 6-15%, but this depends on the purpose of the loan, the length of the loan, and the relationship between the borrower and the lender. For instance, it is entirely possible for a parent, close friend, or business acquaintance to act as a private lender.

  1. Check for contact information. A lender’s phone number, email address, and physical address should be readily available on the website, even if it’s an online-only lender.
  2. Investigate online reviews.
  3. Look at the Better Business Bureau.
  4. Make sure they are appropriately licensed.

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