Financing Structured Around Your Situation

Private capital financing in California is available for a wide range of property types including single-family residences, multifamily properties (2–10 units), small commercial properties, mixed-use buildings, land with development potential, and properties in any condition from fully stabilized to significantly distressed. The primary factors are the asset value, the equity position, and the borrower's exit strategy — not the property's current condition or the borrower's income documentation.

The terms are closely related. Hard money is the legacy term for asset-based real estate lending. Private capital is the broader, current term that encompasses bridge loans, DSCR loans, fix-and-flip financing, construction loans, and equity-based lending — all evaluated primarily on the asset rather than conventional underwriting standards.

Private capital transactions in California can close in as few as 7 to 14 business days when the property has clear title, sufficient equity, and documentation is in order. Conventional financing typically requires 30 to 45 days or longer.