Private Money Loans
Asset-based financing for situations banks cannot serve: speed-driven closings, story deals, and borrowers whose strength is the collateral rather than the file.
- Loan Size: $1M–$100M+
- LTV: Up to 70%
- Term: 6–36 Months
- Closing: As Fast as 5–10 Days
Private money exists for the deals that do not fit a bank box: a closing deadline measured in days, a borrower who is asset-rich but not currently bankable, a property with a story that requires judgment instead of a checklist. FOCAL arranges private money loans from $1 million to over $100 million at leverage up to 70% LTV, on terms from 6 to 36 months, closing in as fast as 5 to 10 days.
Because these loans are underwritten to the asset, execution depends on structure and lender selection. FOCAL has closed private money financings without appraisals, tax returns, or credit checks where the collateral supported it, and has used first and second trust deed structures to deliver higher proceeds at a lower blended rate than single-note alternatives. A recent $15.5 million residential financing went from first call to application in one day.
The firm arranges private money nationwide from Beverly Hills, California, and refinances borrowers out of private debt into institutional structures when the story matures.
Private Money Loans: Common Questions
How fast can a private money loan close?
As fast as 5 to 10 days. Because these loans are underwritten to the asset, FOCAL has closed private money financings without appraisals, tax returns, or credit checks where the collateral supported it. A recent $15.5 million residential financing went from first call to application in one day.
What if I am not bankable right now?
That is what private money is for. The underwriting is asset-based, so a borrower who is asset-rich but not currently bankable can still close. FOCAL also refinances borrowers out of private debt into institutional structures once the story matures.
What sizes and structures are available?
Loans from $1 million to over $100 million at leverage up to 70% LTV, on terms from 6 to 36 months. FOCAL has used first and second trust deed structures to deliver higher proceeds at a lower blended rate than single-note alternatives.
Related closed transactions: $3.64M Acquisition Construction Loan in Los Angeles, CA · $15.5M Acquisition Bridge Loan in Beverly Hills, CA · $3.6M Mid-Construction Bridge Loan in Los Angeles, CA
Related insights: Bridge Loans vs. Construction Loans for Developers · How to Read a Real Estate Pro Forma: A Developer's Guide · Fed's Rate Pause: What CRE Borrowers Need to Know
Capital Markets & Debt Advisory · Closed Transactions