Private Capital
Hard Money & Private Equity Loans
Short-term, asset-focused financing for investors, property owners, and business-purpose borrowers who need speed, flexibility, and collateral-driven review when conventional lending does not fit the transaction.
Hard money loans are short-term, asset-focused financing options commonly used when timing, collateral, property condition, or transaction complexity does not fit conventional lending guidelines. They are often used for acquisitions, refinances, bridge scenarios, renovation projects, distressed property purchases, and investor transactions that require a more flexible capital structure.
At Pristine Capital, we help borrowers review hard money and private lending options based on property value, collateral, loan purpose, borrower profile, liquidity, timeline, and exit strategy. Available terms, rates, leverage, points, fees, documentation requirements, and closing timelines vary by lender, property type, market, and borrower qualifications.
Hard money financing is typically more expensive than conventional financing and is generally designed for short-term business-purpose or investment scenarios. The strength of the collateral, quality of the exit strategy, and overall transaction structure are key parts of the review.
Speed & Flexibility
Useful for closings, refinances, or acquisition timelines that need faster review than conventional channels may provide.
Collateral Focus
Structures are reviewed around property value, equity, condition, loan purpose, and a practical exit strategy.
Investor Scenarios
May fit bridge, cash-out, rehab, construction completion, distressed asset, and other business-purpose real estate needs.
Common hard money uses may include:
- Investment property acquisitions
- Bridge financing before sale or permanent refinance
- Cash-out refinances for business-purpose needs
- Fix-and-flip or renovation projects
- Construction completion or property repositioning
- Distressed, time-sensitive, or non-traditional transactions
- Residential investment, multifamily, commercial, and specialty property scenarios
Typical review factors may include:
- Collateral type, value, and condition
- Requested loan amount and proposed leverage
- Borrower experience, liquidity, and credit profile
- Purchase price, payoff amount, renovation budget, or refinance need
- Exit strategy through resale, refinance, stabilization, or payoff
- Timeline, documentation, and title or closing requirements
Private capital should be structured with a clear exit.
Our team helps borrowers organize the request, review available collateral, and present the scenario around realistic leverage, timing, documentation, and payoff strategy so the financing path is easier to evaluate.
Hard money can be a useful tool when the transaction requires speed, flexibility, or collateral-based review, but it should be matched to a clear repayment or exit strategy. Our team can help review your scenario and identify available private lending options.
Start your hard money loan request today or call 800-407-5696 to discuss your scenario.
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