972-865-6205
info@privatecapitalinvestors.com
Commercial Real Estate Hard Money Loan Lender
Private Capital Investors provides the best hard money loan lending solutions. We finance commercial properties $1 million to $50 million and close as fast as 2 weeks. Approvals within 24-48 hours.
854+
Loans
250+
Clients
$4.5B+
Funded Loans
Commercial Hard Money Loans
Private Capital Investors is a full-service commercial direct Lender for hard money loans and bridge loans with correspondent relationships with Life Companies, CMBS, as well as Pension Funds, which enables Private Capital Investors to offer permanent financing as well.
We have been able to offer these services since 2001.
Being a direct commercial real estate hard money lender, you get the funding quickly, so you can take advantage of an opportunity before it disappears.
Flexibility and speed are the main advantages of hard money loans, making them ideal if you require financing that focuses on an asset or purchasing another investment property.
In addition, being direct commercial hard money lenders, we have a quick application process, less documentation required, and fast closing.
Loan Amount: $1 Million to $50 Million
Funds allocation within 2 weeks
1.25 at exit with appropriate in-place DSCR
LTV up to 85% LTV
Lien Position: first trust deeds only
Loan Term: 3 to 24 months
Interest Rates as low as 5.99%
Amortization: Interest-only payments
Lending Areas: nationwide
Standard Hard Money Loan Requirements
Loan request/application
Purchase contract (if it’s a purchase)
Rehab scope + budget (if renovations are part of the plan)
Recent bank statement(s) showing funds to close/reserves
Government ID for principals/guarantors
Rent roll + key leases (if the property is occupied).
Borrower entity docs (formation + operating agreement / ownership page)
Standard closing costs
Standard closing costs include our fees (in points) plus third-party expenses like title insurance, appraisals, environmental checks, legal reviews
When Might You Need a Hard Money Loan?
Hard money loans are short — measured in months, not years. They have interest-only payments and a lump-sum payoff at the end.
As direct CRE hard money lenders, we care more about the property, not the borrower.
You need to close much faster than a bank can review your deal.
The property is distressed or needs repairs before it can qualify for bank financing.
You need short-term capital for a value-add play.
You need a quick refinance to avoid default on a maturing loan.
You’re buying at auction or in a competitive situation.
You need to pay cash now and refinance later once the dust settles.
Your documentation is non-standard.
Eligible Transaction Types
Opportunity purchases
Quick closings
Non-stabilized properties
Foreign nationals
Non-cash flowing properties
Foreclosure purchases
Traditional acquisitions
Acquisitions with rehab component
Acquisitions with completed new construction
Properties in lease-up in strong markets
Eligible Property Types
Multi-Family
Office
Retail
Luxury Residential
Urban Land
Self-Storage
Light Industrial
Hospitality
Development
Mixed-use property
Our Recent Closings
Industrial Property Acquisition
Honolulu, Hawaii | $1,875,000
Refinance 110 Acre Agricultural Land
New Cuyama, CA | $1,500,000
Multifamily Major Rehab
Westwego, LA | $21,000,000
Why choose Private
Capital Investors?
Did your bank say “no” to your project? Is your credit less than stellar? Or perhaps your finances are not quite in order?
Regardless of your situation, Private Capital Investors can help.
With our experienced team of commercial real estate hard money lenders, we’re confident in our ability to connect you with the right financing solution that suits your needs.
Many investors have the wrong idea about hard money loans. That’s why we walk you through the process and help you find the right hard money lending solution.
Rates as low as 5.99%
Nationwide Lending
24 – 48 Hours Approvals
Funding as little as 14 days
Stated Incomes, No Financials required
Excellent Customer Service
Common Sense Underwriting
Commercial Hard Money Lender v/s Traditional Bank
Commercial Real Estate Hard Money Lenders
A short-term, commercial real estate-secured loan funded by a private lender like us. We base the decision mainly on the value of the property and your exit plan — not your income history or financial statements like a bank would.
How to apply / What borrowers need?
Most hard money lenders (including us) will start with a short intake and then request a small set of documents to underwrite quickly:
- Loan request with deal basics
- Purchase contract (if you are buying) or payoff statement (if you are refinancing)
- Recent bank statement(s) showing funds to close/reserves
New to hard money loans? Read our complete guide to getting a commercial hard-money loan.
Check Our Hard Money Lending Blogs
How Hard Money Lenders Determine LTV Ratio
There’s a very common misconception in commercial real estate that hard money loans are always...
How to Choose a Commercial Hard Money Lender: 9 Factors to Compare
Choose a commercial hard money lender by comparing nine things: experience in your asset...
How Can a Hard Money Loan Help Refinance a Commercial Property?
Hard money loans for commercial real estate can be likened to a release valve that bleeds off the...
Frequently Asked Questions
What are the usual terms offered by commercial real estate hard money lenders?
Hard money loans have shorter repayment periods compared to traditional commercial mortgages. At Private Capital Investors, we offer terms ranging from 3 to 24 months. Your specific terms will depend on factors like your property’s loan-to-value (LTV) ratio and the scope of your project.
Am I eligible for your commercial real estate hard money loan?
Send us your loan request to find out. At Private Capital Investors, we focus primarily on your property’s value instead of your credit history when reviewing your application. However, like all other commercial real estate hard money lenders we also consider a few important factors, such as your equity and your exit strategy. Being clear about these matters will help your application.
Why do I need an exit strategy for a hard money loan?
Your exit strategy shows commercial real estate hard money lenders how you plan to repay your financing. Aside from showing how the project is expected to generate enough funds, it also has to show what you intend to do in case something doesn’t go well, such as if construction costs increase or you can’t secure permanent financing. Commercial real estate hard money lenders want to know that you have a backup plan to repay your loan when it matures.
What happens if I don't repay or refinance on time?
Hard money lenders use your property as collateral, so missing your repayment deadline can put your investment at risk. Depending on your loan agreement and applicable laws, your lender may also charge additional fees or begin foreclosure proceedings if you can’t repay or refinance on time.
What should I know about LTV and ARV in hard money loans?
Commercial real estate hard money lenders use two important figures to determine your potential loan amount:
- Loan-to-value (LTV) – Compares your loan amount to the property’s current market value.
- After-repair value (ARV) – Estimates what your property could be worth after renovations.
Here at Private Capital Investors, we can finance up to 85% of your property’s fair market value or projected ARV, depending on the program and your eligibility.
When should I consider taking out a hard money loan?
Consider a hard money loan when you need quick financing for a short-term commercial real estate investment. For example, you might find a commercial property that needs extensive renovations before you can rent it out or resell it. A hard money loan could help you secure the property and complete the improvements.
When should I not consider hard money loans?
Hard money loans may not suit you if you plan to hold the property for several years or if don’t have a reliable repayment strategy. Because the rates are higher, you could end up paying significantly more in interest if your project takes longer than expected.
Can I use a hard money loan for bridge financing?
Yes. Suppose you want to purchase a commercial property using money from the sale of another asset, but haven’t sold that existing asset yet. In this case, commercial real estate hard money lenders can help you complete the purchase while you wait for the sale or arrange long-term financing.
How do I pick a hard money lender?
Look for a direct private lender with experience in commercial real estate financing, since traditional banks and credit unions generally don’t offer these loans.
When you choose Private Capital Investors, you can be sure that you’re working with experienced and nationally recognized direct commercial real estate hard money lenders. We take the time to understand your investment goals and identify the types of financing that fit your needs.
Want to learn more? Get in touch with us today.
Our experienced team is ready to assist with your financing needs.
Address:
2101 Cedar Springs Road, Suite 1050, Dallas, TX 75201
895 Dove St Ste 394, Newport Beach, CA 92660, United States
Phone:
972-865-6205
949-340-1552
Email:
info@privatecapitalinvestors.com