Private Money Lending

Your Next Deal Should Not Wait for a Bank's Timeline.

Fast, flexible capital for real estate investors who move with purpose. Close in as few as 5 days. No income verification. No tax returns. Just the deal.

Apply for Funding → View Loan Programs
5-10 Day Close
Up to 90% LTC
$100K to $5M+
No Income Verification
$500M+
Total Capital Deployed
5 Days
Fastest Close on Record
90%
Max Loan to Cost
48 hrs
Term Sheet Turnaround
Loan Programs

Capital Built for Every Strategy.

Whether you are flipping in Los Angeles, bridging to a refinance, or breaking ground on new construction, we have a program structured for your play.

Fix and Flip Loans
Up to 90% LTC. Rates from 9.99%. Terms 6-18 months. Designed for investors who move fast and exit clean.
Bridge Loans
Close on your next acquisition while your existing asset sells or refinances. Flexible terms, no prepayment penalties.
New Construction
Ground-up construction financing for experienced builders. Draw schedules aligned with project milestones.
DSCR Rental Loans
Long-term financing based on property cash flow, not personal income. Qualify using the rental income alone.
Aerial view of Southern California fix and flip properties
Built for Every Exit Strategy
Programs structured around how you invest
Loan Parameters

Straightforward Terms. No Surprises.

We believe in showing you exactly what to expect before you sign anything. Here is what our core programs look like.

9.99%
Starting Rate
Rates based on experience, LTV, and property type. No hidden fees layered on top.
90%
Max Loan to Cost
Up to 90% of total project cost on fix and flip. Up to 75% ARV on completed value.
$100K
Minimum Loan Size
We fund from $100,000 to $5 million and above on select projects.
48 hrs
Term Sheet Delivery
Submit your deal today. Receive a clear, written term sheet within 48 hours.
5-10
Days to Close
Faster than any conventional lender. Our record is 5 business days from application to funding.
0
Income Documents
No W-2s, no tax returns, no personal income verification. We underwrite the asset, not your employment history.
The Process

From Application to Funded in Days.

We built our process around one goal: getting capital into your hands before someone else takes your deal.

1
Submit Your Deal
Fill out the application below with your property details, purchase price, rehab budget, and exit strategy. Takes about 3 minutes.
2
Receive Your Term Sheet
Our team reviews your submission and delivers a clear, written term sheet within 48 hours. No vague verbal commitments.
3
Complete Due Diligence
We order an appraisal or BPO and review title. Our due diligence process is fast and our team keeps you updated throughout.
4
Close and Fund
Sign at the title company and receive your funds. Most deals close in 5-10 business days from completed application.
Real estate investor reviewing deal documents in a modern office
From Submission to Funding
Average close time: 5–10 business days
Who We Work With

Built for Investors Who Know Their Business.

We fund operators at every level, from first-time flippers to seasoned developers running multiple projects simultaneously.

Fix and Flip Investors
Fast capital to acquire, renovate, and sell. No waiting for bank approvals while your deal gets picked off.
BRRRR Operators
Acquire and rehab with private money, then refinance into long-term debt. We bridge the gap between acquisition and stabilization.
New Construction Developers
Ground-up financing with draw schedules built around your build timeline, not a bureaucratic approval process.
Rental Portfolio Builders
DSCR loans that qualify on property cash flow. Build your portfolio without personal income constraints limiting your growth.
Borrower Results

What Investors Are Saying.

★★★★★
Marcus T. — Los Angeles
Closed on a Compton flip in 7 days. Other lenders were still asking for bank statements. Apex had my term sheet in 24 hours and we were at the title company the following week.
★★★★★
Rachel K. — Orange County
I have done 6 deals with Apex in the past 18 months. Consistent terms, no surprise fees, and they actually pick up the phone. That is rare in this business.
★★★★★
David P. — San Diego
Used them for a bridge loan when my refi was taking too long. Clean process, fair rate, and closed before I lost the deal. They saved me a $40,000 earnest money deposit.
Common Questions

Clear Answers. No Fine Print.

Do I need good credit to qualify?
We review credit as part of our process, but we are asset-based lenders first. A strong deal with equity can qualify even with credit challenges. Minimum 620 FICO on most programs.
How fast can you actually close?
Our record is 5 business days from completed application to funded. Most deals close in 7-10 business days. Complex transactions or new construction may take longer.
Do you lend to first-time investors?
Yes, with conditions. First-time borrowers typically need more equity in the deal and may have slightly adjusted terms. We want to see a solid exit strategy and realistic numbers.
Are there prepayment penalties?
Most of our short-term programs have no prepayment penalty after 3 months. Our DSCR rental loans have standard prepayment schedules. Your term sheet will always spell this out clearly.
What states do you lend in?
We are licensed in California, Nevada, Arizona, Texas, and Florida. We are actively expanding. Contact us if your target market is outside these states.
What is the maximum loan amount?
Our standard programs go up to $5 million. We consider larger loans on commercial and construction projects on a case-by-case basis through our institutional lending partners.

Your Next Deal Is Waiting. So Is the Capital.

Stop letting bank timelines cost you deals. Submit your project today and receive a term sheet within 48 hours.

Apply for Funding →
Apply Now

Get Your Term Sheet Today

Tell us about your deal. We will review and deliver a written term sheet within 48 hours. No commitment required.

  • Term sheet delivered within 48 hours
  • No income verification or tax returns required
  • Minimum 620 FICO, asset-based underwriting
  • Close in as few as 5 business days
  • Loans from $100,000 to $5 million
  • Fix and flip, bridge, construction, and DSCR programs
Powered by AI Marketing Systems
This landing page was built by Jesse Millard using an AI-powered marketing system trained in consumer psychology and behavioral science. Every element is designed to reduce friction and increase conversions.
Learn more at jesse.work →

Get My Term Sheet

No obligation. No credit impact to apply. Response within 48 hours.