Get Matched With Private & Hard Money Lenders — Free

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What are you financing?

Pick the closest match. You can add details later.

🔨Fix & flipPurchase + rehab 🌉BridgeFast close / short term 🏠DSCR rental30-yr, qualify on rent 🏗️New constructionGround-up build 💵Cash-out refiPull equity 🏢Commercial5+ units, mixed-use 🌲Land / lotRaw or entitled ✨Something elseGap, transactional, etc.

About the property

Lenders price by location and property type.

Property type *

State *

City

ZIP code

Is the property under contract? *

When do you need to close? *

The numbers

Estimates are fine. Your live estimate updates on the right.

Purchase price or current value *

Rehab / construction budget

After-repair value (ARV) *

For rentals and refis, use the current market value.

Loan amount you want

Expected monthly rent (rentals only)

Your investor profile

Self-reported. We never pull your credit.

Deals completed in the last 36 months *

Estimated credit score *

Borrowing as *

Cash available for down payment & reserves *

Where should lenders reach you?

Last step. We share your request only with lenders whose programs match.

First name *

Last name *

Email *

Phone *

Best time to reach you

Anything else? (exit plan, address, special situation)

I agree that Private.Money may share my request with private lenders and brokers whose programs may fit, and that they may contact me about it by email or phone. I understand this is not a loan application, Private.Money is not a lender, and I am requesting a business-purpose loan for investment property. Privacy · Terms Optional: you may text me about this request. Consent is not a condition of any loan. Message and data rates may apply. Reply STOP to opt out.

Be lender-ready

What private lenders actually look at

📊

The deal spread

Purchase plus rehab versus ARV. Most programs cap total loan at 70–75% of ARV, so a wide spread unlocks leverage.

🧰

Experience

Completed flips or rentals in the last 24–36 months. More experience means higher LTC and lower rates.

🏦

Liquidity

Cash for the down payment, closing costs, points and typically 3–6 months of payments in reserve.

💳

Credit

Usually a soft check later in the process. Common minimums are 600–680; 720+ gets the best pricing.

📋

Scope of work

A line-item rehab budget and timeline. Rehab funds are released in draws after inspections.

🚪

The exit

How you'll repay: sale, refinance into a DSCR loan, or another source. Lenders want a believable plan B.

Document checklist

Not needed to request matches, but having these ready speeds up closing:

Purchase contract and proof of funds (bank statements)
Rehab scope of work and budget
LLC articles, operating agreement and EIN letter
Government ID for each guarantor
Track record (addresses, purchase and sale prices, dates)
Leases or market rent survey (rentals)
Insurance quote naming the lender as mortgagee

Borrower FAQ

Will this affect my credit?

No. We never pull credit. A lender may run a soft or hard check later, only with your permission.

How fast can private lenders close?

Published programs advertise 5–15 days for flips and bridge loans when the title, appraisal or valuation, and insurance are ready. DSCR loans typically take 15–30 days.

Can first-time investors qualify?

Many lenders fund first-time flippers at lower leverage (often 80–85% of purchase) and slightly higher rates. Partnering with an experienced investor can help.

Do you charge a fee?

Never to borrowers. We may receive compensation from lenders or advertisers. Lenders set their own fees, which you'll see in their terms.

Get matched with private lenders in 2 minutes

What private lenders actually look at

The deal spread

Experience

Liquidity

Credit

Scope of work

The exit

Document checklist

Borrower FAQ