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Amount you want to borrow*

Type of credit

Private Money Loan

Private Money is a commonly used term in banking and finance. It refers to lending money to a company or individual by a private individual or organization. While banks are traditional sources of financing for real estate, and other purposes, private money is offered by individuals or organizations and may have non-traditional qualifying guidelines. There are higher risks associated with private lending for both the lender and borrowers.

Private money can be similar to the prevailing rate of interest or it can be very expensive. When there is a higher risk associated with a particular transaction it is common for a private money lender to charge an interest rate above the going rate.

The qualifying criteria for a private money loan varies widely by the loan purpose, credit scores, income and other conventional lending criteria may be analyzed. However, primarily qualification of a loan amount based on the value of the real estate being collateralized.

Loan Amount Purchase Cash Out Credit Score Reserves
$10,000,000 Up to 75% LTV Up to 75% LTV Case by Case Case by Case

Property Type:

  • 1-4 Family, High-Rise Condos, Non-Warrantable Condos and Condo-Hotels
  • Investment Property Only

Income Docs:

  • No Income Verification


  • No Asset Verification


  • No Minimum Credit Required

This type of loan secured by the Mortgage is exempt from any provisions of the Real Estate Settlement Procedures Act of 1974, as amended and Regulation “X” of the Secretary of Housing and Urban Development because the proceeds of the Loan and the Loan proceeds are being used for as an extension of credit primarily for a business, commercial, or agricultural purpose, as defined by 12 CFR 1026.3(a) (1) of Regulation Z.

This is not a commitment to lend, each applicant and borrower must be approved by the lender or investor. All terms and rates are subject to change with out notice. Please call our office to get pre-qualified.


20200 W Dixie Hwy Suite 1104

Aventura, FL 33180

Call Center:

Tel: 800-373-0812

Fax: 305 692-3000

Business Hours:

Mon - Fri 9:00am - 5:00pm

Weekends Closed