Need fast capital for a property deal? Private money loans offer quick, asset-backed financing for fix-and-flip projects, rental property purchases, bridge loans, and more. Everyday Lending Group provides custom lending solutions for real estate investors, homebuyers, and developers who need speed and flexibility beyond traditional mortgage options. Get funded based on your property’s value, not your credit score or income.
Private money loans are ideal for real estate investors who need quick capital to secure a deal. With faster approval and funding than traditional mortgages, these loans help buyers move fast on auction properties, short timelines, or competitive fix-and-flips. Unlike bank loans, approval focuses on the value of the property, not your credit score, making it easier to seize urgent opportunities.
When conventional loans or non-QM mortgage options don’t fit your situation, private money lending offers a practical alternative. These asset-backed loans are perfect for borrowers with credit issues, inconsistent income, or properties that don’t meet traditional lending criteria. With flexible terms and customizable structures, private loans offer creative real estate financing tailored to your investment goals.
A private bridge loan can provide the cash you need while waiting to sell another property. It’s a short-term solution designed to cover gaps in liquidity so you can secure your next deal without delay. Whether you’re moving into a new home, investing in another property, or completing a fix-and-flip, bridge loans give you breathing room to make strategic moves.
Need capital to fund a remodel or finish a build? Private money construction loans give builders and flippers access to funds for short-term projects. Whether permits are in place or the property is mid-renovation, these loans can finance everything from repairs to major rebuilds. Terms typically range from 6 to 12 months, giving you time to finish and sell or refinance.
Private money programs can support real estate investors with challenged credit or no FICO score. Some programs allow for loan-to-value (LTV) ratios up to 75% with minimal documentation. These offerings are well-suited for investors looking to tap into property equity or secure long-term financing on 1–4 unit properties—even without showing rental income or credit qualifications.
Private money loans allow for cross-collateralization, letting you use multiple properties to secure a new loan. This is a powerful strategy for experienced investors who want to scale quickly without tying up all their cash. Whether you’re acquiring a new rental property, funding a flip, or restructuring an existing deal, cross-collateral lending gives you more flexibility with less cash out of pocket.
Private money loans are built for speed, flexibility, and real-world scenarios that traditional lenders can’t always accommodate. Whether you’re an investor, developer, or homeowner facing a tight timeline or unconventional financial profile, these loans provide fast access to funding with no income verification, no FICO requirements, and asset-based approval.
We offer several types of private money loans tailored to your goals:
Bridge Loans for fast closings while waiting on a sale
Construction Loans to cover short-term build costs
Rescue Purchase Loans when traditional financing falls through
Rescue Refinance Loans to unlock trapped equity quickly
Long-Term Purchase Loans with up to 30-year fixed terms
Long-Term Refinance Loans to restructure debt with flexible terms
Whether you have poor credit, no credit score, or non-traditional income, private lending gives you access to capital without the red tape. These programs are perfect for commission-based professionals, real estate investors, or anyone seeking equity-based financing outside the conventional mortgage box.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Private money loans usually have higher interest rates than traditional bank loans. Rates vary depending on the loan amount, property type, and your equity position. Because they carry more risk and are funded quickly, the rates reflect that urgency. Contact us to learn what rate may apply to your scenario.
Yes, private money refinancing is a common use case. Whether you’re restructuring existing debt, pulling out equity, or replacing a lender who backed out, refinance loans offer fast, flexible relief. We provide short- and long-term refinance options based on your property’s value—not your credit or income history.
One of the biggest advantages of private money lending is speed. In most cases, loans are approved and funded in just a few days, far faster than traditional lenders. This is especially useful for auctions, distressed property purchases, or time-sensitive flips.
Private money loans can be used for a wide range of properties, including single-family homes, multi-family units, commercial buildings, and investment properties. Whether you’re buying, refinancing, or renovating, we can structure a solution around your project type.
Unlike banks, private lenders focus on the value of the property instead of credit history or income. Approvals are faster, and terms are more flexible, making them ideal for investors, developers, or borrowers with non-traditional financials. In exchange, expect higher interest rates and shorter loan terms.
Yes, we provide commercial private money loans for projects like retail spaces, office buildings, and multi-family complexes. These loans are structured for speed and flexibility, helping you acquire or improve commercial assets without the delays of traditional commercial lending.
Absolutely. We offer construction hard money loans with terms from 6 to 12 months, perfect for covering build costs when permits are already in place. These are ideal for developers or builders who need quick funds to keep a project moving forward.
Expect higher upfront costs, including origination fees, points, closing costs, and property insurance. While the flexibility and speed of hard money loans are major benefits, always factor in these fees to ensure your investment remains profitable.
Yes, self-employed borrowers are a perfect fit for private lending. With no income documentation and no FICO score required, these loans rely on the property’s equity and your investment strategy, not your tax returns or employment status.
Yes, fix-and-flip loans are one of the most common uses for private money financing. You’ll get fast access to capital to purchase distressed properties, fund renovations, and resell for profit—all within a short timeframe. Ideal for competitive real estate markets.
Loan extensions may be possible, depending on your lender and loan structure. We can help you either refinance into a new private money loan or transition into a non-QM loan or conventional mortgage with more favorable terms if the project timeline runs long.
Yes, we offer private money land loans for buyers looking to secure undeveloped property for future development. These loans often require a higher down payment and have shorter terms due to added risk. Your exit strategy and development plan play a key role in approval.
Everyday Lending Group offers personalized mortgage solutions, fast and accurate quotes, competitive rates, and exceptional service delivered with integrity.
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