How is private (hard money) lending different from a bank loan?

We are asset-based, which means we underwrite the property, its equity, and your business plan rather than your personal income and tax returns. That lets us fund in days instead of the 30 to 60+ days a bank takes, on short interest-only terms built around a flip, refinance, or sale. You pay a higher rate than a bank in exchange for speed, flexibility, and certainty on deals a bank cannot fund in time.

How fast can you close?

Fix and flip and residential bridge loans typically close in 5 to 7 days once we have your basics. Rental (DSCR) loans usually take 2 to 3 weeks because of the appraisal and rent verification, and SBA financing runs 30 to 90 days. The biggest variable is how quickly title, insurance, and your documents come together.

Do you check credit, and is there a minimum score?

We do run credit, but on our asset-based loans it carries far less weight than at a bank, and weaker credit can often be offset with a larger down payment or lower leverage. There is no personal income test on these programs. Credit matters most on long-term rental loans, where we look for a 640 minimum and it affects your rate and leverage.

Do I need to provide income documents or tax returns?

Generally no. Our bridge, fix and flip, and construction loans qualify off the property and your equity, and our DSCR rental loans qualify off the property's rent, so we do not ask for W-2s or pay stubs. We will want to see bank statements or proof of reserves. SBA and conventional investment loans are the exceptions and are fully documented.

What do you need to give me a quote?

Just the basics of the deal: the property address or type, the purchase price or current value, your rehab budget, the loan amount, and your exit plan. We can often pre-qualify you over the phone or through a short application and issue a proof-of-funds letter before you are even under contract.

What is a point, and how do your rates compare to a bank?

A point is an upfront fee equal to 1% of the loan amount, and origination on private loans typically runs 1 to 3 points. Our rates are higher than a bank, generally in the high single digits to low teens depending on the program, because the loans are short, fast, and flexible. When you compare offers, weigh the rate and the points together as your true cost of capital.

Direct private lending in most states

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For Partners · 4 min read

How a Lender Partnership Grows Your Wholesale Business

The short answer

The right lender partner does more than fund your buyers. Learn how a lender relationship raises your close rate, your reputation, and your deal flow.

A lender partnership grows a wholesale business in one fundamental way: it raises your close rate. More of your contracts perform, which compounds into reputation, repeat buyers, and better deals from sellers.

The compounding effect

Higher close rate — buyers funded fast means contracts actually close.
Stronger reputation — the wholesaler whose deals close gets the next deal first.
Repeat buyers — buyers who close come back, so your list gets stronger.
Better seller relationships — sellers trust you to perform, so they bring you more.

What a good lender partner provides

Beyond fast funding, look for co-branded proof-of-funds letters for your buyers, fast pre-quals, one named contact, and status updates on every deal. Those tools make you faster and more credible without adding work.

It is a relationship, not a transaction

The best partnerships are built on reliability over time. When your lender typically funds your buyers within 48 hours of clear title, subject to underwriting, you can set fast, realistic closing expectations with sellers and buyers and consistently hit them, which is the whole game.

Frequently asked

How does a lender partnership help a wholesaler?

It raises your close rate. When buyers are funded fast, more contracts perform, which compounds into reputation, repeat buyers, and better deals from sellers.

What should a wholesaler look for in a lender partner?

Fast, in-house funding plus practical tools: co-branded proof-of-funds letters, fast pre-quals, one named contact, and status updates on every deal.

Is a lender partnership a one-time thing?

No, the value comes from reliability over time. A lender that consistently funds your buyers lets you commit to timelines with confidence, deal after deal.

Rates, leverage, and timelines mentioned in this guide are typical figures, subject to underwriting and market conditions. Not a commitment to lend. Nothing here is legal, tax, or investment advice.

Related programs

Fix and Flip Transactional Funding

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Hard Money vs Private Money Hard Money vs Conventional Loan

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