Private Money Lenders
Get quick access to funding from reliable private money lenders for real estate and personal loans. Explore flexible options today.
What is a private money lender?
Private money lenders don’t use bank funds. They lend money from individual investors or their own capital. Most of the time, they care more about the value of the property than your credit score.
If you’re short on time or stuck with paperwork delays, private lenders can be a helpful option. They’re often used when banks say no—especially for real estate deals or short-term personal needs.
Private money lenders for personal loans
You can also use private funds for personal reasons—like paying off debt, covering expenses, or handling urgent costs. Rates may be higher, but getting approved is usually quicker, with less red tape.
They’re a strong fit for people who don’t meet bank requirements but have a clear repayment plan. If you’re considering this route, our full service mortgage brokers can help assess which lenders match your goals.
How SBA loans work
SBA loans follow a standard process. You work with an SBA-approved lender who reviews your business, financials, and how you plan to use the funds.
Once approved, the lender gives you the money. The SBA steps in only if there’s a default. This backing helps lenders say yes more often.
Loan terms can range from 5 to 25 years. You’ll find competitive rates and more flexibility than most traditional loans.
Self-employed or growing fast?
ALT Financial can help you access an SBA small business loan that fits your goals. No confusing paperwork—just real answers and dedicated support.
Private money lending real estate loans
Private money lenders for residential real estate provide quick, asset-backed loans for property deals. Investors use these loans to flip homes, buy rentals, or bridge financing between closings.
Private loans are typically short-term with higher interest rates. But they close fast, don’t require perfect credit, and let you act quickly in competitive markets. For larger deals, they often work alongside a Commercial Real Estate Loans Mortgage structure.
How to find private money lenders
Start by knowing what kind of loan you need. Then look for direct private money lenders or brokers who specialize in alternative lending. Experience matters—so does transparency.
ALT Financial connects borrowers with trusted lenders based on deal size, property type, and timing. We also work with top CRE Mortgage lenders for larger, investment-focused loans.
SBA Loans and Commercial Real Estate Mortgages
If you’re using an SBA loan to purchase or refinance business property, you may also qualify for a commercial real estate mortgage. These loans are designed for owner-occupied spaces and long-term property investments.
Many SBA 504 and 7(a) programs can be used for real estate, but depending on the loan amount and structure, combining an SBA loan with a CRE mortgage may offer added flexibility. This is especially useful for expanding locations, building out new spaces, or reducing monthly overhead through ownership.
Our team helps you understand how SBA financing and commercial real estate mortgage options can work together—so you get the right setup from day one.
Private and hard money lenders: what’s the difference?
People often confuse private and hard money lenders. While they overlap, here’s the main difference:
- Private money lenders:use individual or pooled investor funds. Terms are flexible.
- Hard money lenders: are often firms with set rates and strict guidelines.
Both work fast, skip most red tape, and back deals based on property value—not borrower profile. For urgent deals, a Hard money loan or private funding both get the job done.
Ready to explore private lending?
ALT Financial helps borrowers connect with trusted private money lenders for fast, flexible funding. Let’s talk about what fits your needs.
Private money lenders vs traditional lenders
| Feature | Private Money Lenders | Traditional Banks |
|---|---|---|
| Approval Speed | 1–7 days | 30–60 days |
| Credit Score Requirement | Flexible / Case-by-case | Strict (Usually 650+) |
| Paperwork | Minimal | Extensive |
| Loan Terms | Short to medium-term | Long-term |
| Property Type | Residential & Investment | Mostly Owner-Occupied |
Why ALT Financial for private lending
We know which private hard money lenders actually fund deals—and which ones just quote. Our experience helps you skip delays, avoid junk fees, and get a loan that fits.
Whether it’s residential, commercial, or a personal bridge loan, ALT Financial connects you with private money lenders who focus on results, not red tape.
Not sure which lender fits your deal??
Whether it’s a short flip or long-term hold, our brokers guide you from start to finish. Talk with a full service mortgage broker today.
Frequently Asked Questions
- What’s the benefit of using a private money lender?
They move faster than banks, ask for less paperwork, and approve deals that banks often won’t. - Do private lenders check credit scores?
Some do, but most focus on the property or asset. Your score isn’t the dealbreaker. - Can I use private funds for buying rental property?
Yes. Many investors use private loans to buy or rehab rental properties quickly. - How fast can a private loan close?
Some close in 3 to 7 days. That’s much faster than traditional financing. - Are private lenders safe to work with?
Yes—if you work with experienced brokers or vetted lenders. Avoid anyone who won’t show terms up front.
Conclusion
We work with a network of vetted lenders, including those specializing in CRE Mortgage lending, short-term deals, and residential investments. Let’s build something that works—on your terms.