Private Money Loan

Private Money Loans in California

Our private money loan offers quick and flexible financing options to make real estate investments more accessible. Structured for a quick closing without the red tape, we provide 1st and 2nd trust deed financing for purchase or refinance transactions, offering creative solutions for your unique loan scenarios. Using a private money loan allows entrepreneurs, small business owners, and real estate investors to maximize their purchasing power by leveraging their properties while freeing up their own liquid capital for other uses.

Loan Program Highlights

• We offer smart capital fast. 
• Interest only 
• Lite documentation with Flexible terms 
• Speed & Ease, No appraisal  
• Low fico – ok 
• Bankruptcy  
• Collateral base 
• Foreclosure

Benefits of the Loan Program

Unlike traditional lenders we do not require capital reserves to qualify your loan, nor do we require to source your funds. Our lending criteria provides flexibility with customized loan terms to meet your real estate needs. Our loan approval process is faster with fewer regulations than a bank, thus offering our clients quicker closure on their transactions.  Over three decades of lending experience sets us apart from the competition.  

Types of Properties Eligible for Private Money Loan

• Investor 1-4: SFR, Condo, and 2-4 Units
• Multi-Family Apartments (5+ Units)
• Mixed-Use & Mobile Home Parks
• Commercial: Office, Retail, Warehouse, Industrial, Self-Storage, and Automotive
• Churches, Banquet Halls, Restaurants, Bars, Night Clubs, Motels, and Vacant Land

Target clientele for this loan program

Our private money loans are particularly suited for individuals seeking short term financing. Our private loans are ideal for borrowers with challenge credit, loan maturity or foreclosure on an investment property. Ideal for investors or developers seeking to finance their renovation project, complete an ADU (Accessory Dwelling Unit) or tenant improvements. 

Documents required for the Loan Program Application

1. Sign RGC Capital loan proposal (LOI)
2. Driver’s license & social security card from the borrower
3. Two most recent bank statements
4. Lease(s) if property is being rented
5. Loan application (click here for the business purpose application)
6. Interior and exterior photos
7. Current mortgage statement and insurance – for all properties owned
8. Entity documents (if corporation or LLC )
9. Exit strategy letter