1
Consultation Call
Send a quick request using the Contact Us button and we’ll respond within 24 business hours — or call us directly to jump to step two.
Private Money Funding Made Simple
Fast, flexible loans for real estate investors. No banks. No hassle. Just funding that works for you.
Fast Funding
Get matched with the right lenders and close in as little as 7 days.
Flexible Options
Fix & flips, rentals, refinancing, or recovery—we’ve got you covered.
People Over Scores
We match you based on your experience and ability, not just your credit.
Trusted Network
Hundreds of lenders competing to give you the most favorable deal.
Why work with us?
Our team works with hundreds of lending institutions to find the most favorable funding options for hard working, business savvy developers, investors, and renovators. While traditional banking services reduce you down to numbers and feed you into formulas and algorithms, we build a profile based on your skills, knowledge and experience and match you to lenders based on your ability to meet your obligation, not a credit score number.
Our Services
We connect you with the right funding solutions tailored to your project, experience, and vision. Whatever your investment goals, our proven process gets you there.
Fix and Flips
Secure quick, short-term funding to purchase and renovate properties, then sell for profit. We help you move fast so you can maximize returns.
Rental Properties
Grow your real estate portfolio with financing tailored for long-term rental investments. Build consistent cash flow and equity over time.
Refinance & Reboot
Tap into your existing equity or restructure your loan with smarter terms. Our team matches you with lenders who help you reduce costs and unlock capital.
Situational Fall Through Recovery
Deals don’t always go as planned. When traditional funding falls through, we step in quickly with solutions that keep your project moving forward.
How it works
We Follow Successful Processes and Get Your Work Done
Our step-by-step approach takes the stress out of securing funding. From the first consultation call to final disbursement, we guide you through each stage with clarity and transparency. With our expertise and lender network, you’ll always know what to expect, and have the support you need to get your deal across the finish line.
2
Phone Confirmation
A team member reviews your project details, experience and financing needs — answering questions and explaining criteria for private money funding.
3
Your Homework
We’ll identify any items to address and send a Match application. Return the form and required documents so we can process your file.
4
Lender Final Decision
We match your file with the most favorable lender, stay in contact, and update you throughout the approval process.
5
Funding is Disbursed
Once final requirements are satisfied, funds are sent to title/escrow. In some cases the whole process can finish in as little as one week.
Some things to expect
First and foremost, you can expect honest and transparent information. You can also expect us to work diligently to find you the best lending partners. We really do care about helping people pursue the dreams they come to us with, but even if you’re skeptical, the process ensures we work hard for you. We get paid by the lender in exchange for pre-screening and coordinating all of the documentation, making sure you understand the process, vouching for you ability to honor the commitment you will make; and we only get paid if the loan gets approved. Making sure you get a deal you’re happy with is not only best for you, but is best for us too.
Because we work to evaluate borrowers as people, with experience, abilities and resources, and not just credit scores and collateral, the means of evaluating “risk” is a bit different. Click the links below to view the things we will discuss on a consultation call (But don’t panic, they may not be what you think).
The Deal That is Being Funded
Is there already a deal in place?
This can seem out of order if you are new to real estate investing, but real estate investors and homebuyers can secure a property deal before obtaining full funding by using a purchase agreement with a financing contingency or exploring alternative financing options. A solid pre-approval letter and a good-faith deposit are also crucial for making a competitive offer. A financing contingency is a standard clause in a real estate purchase agreement that protects the buyer if they are unable to secure a mortgage. This provision allows the buyer to cancel the contract and receive their earnest money deposit back without penalty. In most cases we will only move forward if you already have the property in question under contract.
What is the intended use of the property?
Most private money lenders will only fund non-owner occupied real estate. IE: fix and flips, rental units, refi and reboots, etc. They will not fund homeowner loans for a primary residence. It’s highly unlikely we will move forward if you are seeking funding for any owner occupied property.
Costs and Profits
While specific numbers will depend on the actual lending institution that a borrower is matched with, you can expect the average loan to cover somewhere around 90% of the asking price and 100% of the rehab costs, so long as the total loan amount does not exceed 70% of the AVR.
- What is the asking price of the property
- What do you estimate the AIV to be (it will be appraised)
- What is the estimated rehab cost
- What is the AVR
- What is the expected profit
- When do you need to close
- What is the desired length of the loan
Borrowers Experience
Experience
Lack of experience will NOT disqualify you, but prior experience always helps.
- How many projects like this have you done in the past
- What was your average ROI
- What do you consider a “good” rehab cost in relation to the asking price and AVR?
- Have you previously utilized hard money lending options
- Do you have other properties that you manage
Who You Are
We cannot move forward with loans to individuals. We only provide services to valid U.S. entities. ( LLC, Inc. Corp. etc.) If you’re a private contractor, or even a home handy-man you can form an LLC (Limited Liability Company) often for under a hundred dollars and in only a couple days. In cases where the borrower is a multi-owner entity it will be necessary for a guarantor declaration to be filed by 51% of the owning interests for the loan to move forward.
Assets, Income, Contributions
(These will not be required during the consultation call, but will likely be required by the lender for a final approval)
Assets
The team will ask about your current liquidity. As a general rule of thumb most lenders will want to see three months worth of payments available. Note** There is no requirement that these funds are reserved, only that they are visible at the time of application. You wont need to provide documentation during the consultation call or for the match application, but will likely be required to provide the two most recent months of bank statements to the lender for final approval.
Income and Credit
But wait! You said private loan money isn’t just based on credit score! Correct, it isn’t based on score, but it does take into account credit management. Remember we are looking for people that can show the responsibility needed to meet their obligations related to the loan. During the consultation call the team will ask about your credit score, and you will have an opportunity to discuss any relevant factors. You will not be required to consent to having a credit report pulled in order to be matched to a lender, although some (but not all) lenders may require it for a final decision.
Contributions
The team will discuss earnest money (if applicable). Money down is not a requirement for us to move forward with your application, and does not impact us one way or the other so we will never pressure you, but the simple truth is, borrower contribution always improves the chances of approval in any lending situation, whether it is private money or traditional banking.
FAQs
Frequently Asked Questions
Have questions about how private money lending works? We’ve answered the most common ones below so you can feel confident moving forward with your funding journey.
Do I need perfect credit to qualify for private money funding?
No. Private money lenders don’t use the same rigid criteria as banks. While credit is considered, it’s not the main factor. What matters most is the strength of the deal (the numbers make sense), your level of experience, and whether you have the resources to complete the project. For example, a strong property deal with a solid ARV (After Repair Value) can often outweigh a less-than-perfect credit score.
What kinds of projects can private money be used for?
Experience
Private money is specifically designed for investment opportunities, not personal homes. The most common uses include:
- Fix-and-flips – buying distressed properties, renovating, and selling for profit.
- Rental properties – either purchasing new rental units or refinancing existing ones.
- Refinance & Reboots – restructuring current deals or finishing stalled projects.
- Bridge loans – short-term funding to secure a deal while waiting for long-term financing. It’s all about projects where the property itself creates value and profit.
How fast can I get funding once approved?
Speed is one of the biggest advantages of private money. Traditional banks can take 30–60+ days to close, but private lenders can move much faster. Once your application and deal package are complete, funding can often be released in 7–14 days, sometimes sooner. The exact timeline depends on how quickly you provide documents and how prepared your deal is.
Do I need to already have a property under contract?
In most cases, yes. Private lenders typically want to see that you’ve already secured a deal under contract before they commit funds. This protects them and ensures you’re serious about the project. If you don’t yet have a property but are actively searching, we can still guide you on what lenders look for so you’re ready when the right opportunity comes up.
Will you fund an owner-occupied home or primary residence?
No. Private money is strictly for investment properties. That means no personal mortgages, no primary residences, and no “dream homes.” The reason is compliance: funding for personal residences is heavily regulated, and private lenders focus on investments where the property is treated as a business asset. If your goal is to buy a home to live in, traditional mortgage lenders or FHA loans are the way to go.
How much of the property cost will the loan cover?
Most private money lenders will finance:
- Around 90% of the purchase price of the property.
- Up to 100% of the rehab/renovation costs.
The total loan amount typically cannot exceed 70% of the property’s ARV (After Repair Value).
Example: If a property’s ARV is $300,000, a lender might approve up to $210,000 in total funding. That way, both you and the lender are protected, and there’s enough margin for profit.
What happens if my application isn’t approved?
Our process is designed to give you the best chance at approval, but not every deal qualifies. If your application is denied, it usually comes down to one of three reasons:
- The numbers on the deal don’t make sense (too risky).
- The project type doesn’t fit private lending guidelines.
- There’s missing information or insufficient borrower resources.
In those cases, we’ll let you know exactly what’s holding it back and what you can do to improve. Many clients come back with stronger deals and get approved the second time around.
How do you get paid for your services?
We don’t get paid upfront. Our compensation comes directly from the lender and only when your loan successfully closes. This ensures we’re fully motivated to match you with the right funding partner. In other words, if you don’t win, we don’t win. It also means you’re not wasting money on application fees that go nowhere.
What makes you different from a traditional bank?
Banks look at strict formulas: credit score, income-to-debt ratio, W-2s, and a mountain of paperwork. If you don’t fit their exact criteria, you’re declined — even if your deal is profitable.
We work differently. We:
- Build a profile around your skills, knowledge, and experience.
- Focus on the profitability of the deal, not just your credit report.
- Move much faster than banks.
Essentially, banks say “prove you don’t need the money to get the money.” We say, “show us a good deal, and we’ll find you funding.”
What documents will I need to provide?
The exact list depends on the lender, but generally you’ll need:
- A completed loan application.
- ARV estimates or comps.
- Proof of your experience in real estate (if any).
- Financial snapshot (bank statements, assets, liabilities).
Don’t worry — during your consultation, we’ll walk you through every step and help organize everything so you’re presenting a professional, lender-ready package.
Testimonials
Reviews from Approved Client Borrowers
Real stories from investors who turned to us for trusted funding solutions.
"Austin Asbury and Ernest Mendez have been instrumental in making the process of investor loans seem flawless . Some of these transactions are extremely complicated but they are with you through every step of the way . They are professional and results driven . Thank you for your dedication to the process."
"I highly recommend this company! Colin, the private lender that is assisting me is absolutely fantastic! He was extremely knowledgeable and went out of his way to make me feel very comfortable. I knew I made the right decision in allowing this company to help me with my investments after speaking with Colin. Check out this company and Colin if you need help with investments."
"I was nervous about securing funding for my first investment property, but this team made it so simple. They walked me through the entire process and found the perfect lender match. I’ll definitely be back for my next project."
"Professional, responsive, and incredibly helpful. They answered all my questions and provided clear guidance at every step. I felt supported the whole way through and ended up with a great loan package."
"Private Money Matchmakers took all the stress out of the funding process. They worked hard to make sure everything was in order and connected me with a lender who understood my goals. Couldn’t be happier."
"I had spoken with other lenders before, but none of them gave me the confidence and clarity that this team provided. They truly care about their clients and want you to succeed. Highly recommend!"
"The process was fast, straightforward, and exactly what I needed. Within a week, my funding was approved, and I was ready to move forward with my investment. This team delivers results."
"From the very first call, I knew I was in good hands. They explained every detail, made sure I understood the requirements, and kept me updated throughout. A top-notch service for serious investors."
Blog
Our Latest News
Stay informed with the latest insights, tips, and trends in real estate investing and private lending.
Investing in Real Estate for Retirement
August 31, 2025
In the ever-evolving world, the art of forging genuine connections remains timeless. Whether it’s with colleagues, clients, or partners, establishing a genuine rapport paves the way for collaborative success.
Building Wealth with Rental Properties
August 31, 2025
Challenges in business are a given, but it’s our response to them that defines our trajectory. Looking beyond the immediate obstacle, there lies a realm of opportunity and learning.
The Power of Fix-and-Flip Investments
August 31, 2025
Every business has a unique potential waiting to be tapped. Recognizing the keys to unlock this growth can set an enterprise on the path to unprecedented success.
Contact Us
Schedule a Call
Ready to take the next step? Whether you’re looking to get approved quickly or simply want to learn more about our process, we’re here to guide you every step of the way.
- Speak directly with a real expert, not an automated system
- Get clarity on loan options tailored to your project
- Understand the requirements before you apply
- Save time with fast, straightforward answers
- Start your funding process with confidence
1 (479)246-8205
Call Us Today
You must be logged in to post a comment.