Private Money Loans
Private Money Loans
Private money loans are short-term real estate financing options used by investors, developers, builders, and business owners who need funding outside the traditional bank process. These loans are often used when speed, flexibility, property value, or project potential matter more than fitting into a standard bank approval box.
AtMedex PMC LLC, we help borrowers connect with private lenders and funding partners for investment real estate projects. We do not try to force every deal into one program. Instead, we review the project, the property, the borrower’s goal, and the exit strategy, then help match the deal with a lender that understands that type of transaction.
Private money can be a strong fit when a bank is moving too slowly, when the property needs work, when the borrower is buying through an LLC, or when the deal needs to close before permanent financing is available.
What Are Private Money Loans?
A private money loan is financing provided by a private lender, investment group, or non-bank funding source. Unlike a traditional mortgage, private money loans are usually focused on the strength of the asset and the deal.
Lenders may review:
Property value
Purchase price
Equity in the deal
Renovation plan
Borrower experience
Exit strategy
Rental income potential
Construction budget
Market demand
Private money loans are commonly used for investment properties, commercial real estate, fix-and-flip projects, rental portfolios, bridge financing, construction projects, and business-related real estate purchases.
Who Private Money Loans Are For
Private money loans may be a good fit for:
Real estate investors buying rental properties
Fix-and-flip investors
Commercial property buyers
Builders and developers
Investors purchasing through an LLC
Borrowers who need to close quickly
Buyers purchasing properties that need repairs
Developers waiting on permanent financing
Business owners buying income-producing property
Investors who do not fit traditional bank guidelines
Private money is not usually the best fit for someone looking for the lowest long-term interest rate on a fully stabilized property. It is most useful when timing, flexibility, or deal structure matters.
Typical Loan Amounts
Medex PMC works with lending sources that may offer loan amounts from:
$50,000 to $40 million
The actual loan amount depends on the property, project type, borrower qualifications, lender guidelines, loan-to-value ratio, and exit strategy.
Some private lenders may finance a portion of the purchase price, renovation costs, construction budget, or commercial acquisition depending on the deal.
What Do Private Money Loans Cost?
Private money loan pricing varies by lender and project.
The final cost may depend on:
Loan amount
Property type
Loan-to-value ratio
Borrower experience
Credit profile
Project timeline
Exit strategy
Location
Construction or renovation risk
Private money loans are usually more expensive than traditional bank loans, but they can be much faster and more flexible. For many investors, the value is in being able to close the deal, complete the project, and move to the next opportunity.
Medex PMC offers ano-cost consultationto review your deal and help determine what lending options may be available.
How Long Does It Take?
Some private money loans may close in as little as5 business daysonce the required documents are complete and underwriting is finished.
More complex projects, such as ground-up construction, commercial development, or larger commercial acquisitions, may take longer.
The biggest factor in speed is documentation. A borrower who has the purchase contract, project details, budget, entity documents, and supporting financial information ready will usually move faster than someone starting from scratch.
What Is Included?
When you work with Medex PMC, we help with:
Initial project review
Loan scenario discussion
Lender matching
Document guidance
Loan program comparison
Private money loan submission
Communication with lending sources
Funding strategy review
Deal structure guidance
Our job is to help you understand your options and connect your project with the right lending source.
The Private Money Loan Process
Step 1: Submit Your Deal
You provide the basic details of your project, including the property type, location, purchase price, estimated value, loan amount needed, and timeline.
Step 2: Review the Project
We review the deal to understand the property, borrower goals, project plan, and exit strategy.
Step 3: Match With Lenders
We compare the project against available private lending programs and identify lenders that may be a fit.
Step 4: Collect Documents
Typical documents may include the purchase contract, LLC documents, scope of work, project budget, rent roll, photos, bank statements, and property information.
Step 5: Underwriting
The lender reviews the deal, property, borrower, and exit strategy.
Step 6: Term Sheet or Loan Offer
If the lender is interested, they may issue proposed terms outlining the loan amount, rate, fees, timeline, and requirements.
Step 7: Closing
Once the loan is approved and conditions are satisfied, the transaction moves to closing.
Common Uses for Private Money Loans
Private money loans can be used for:
Buying investment property
Fix-and-flip projects
Rental property acquisitions
Bridge financing
Commercial property purchases
Construction projects
Multifamily acquisitions
Mixed-use properties
Self-storage projects
Business-related real estate purchases
Refinancing investment property
Why Work With Medex PMC?
Medex PMC LLC works with multiple private lenders and commercial funding sources. This helps borrowers avoid relying on one bank, one loan officer, or one approval path.
We focus on real estate investors, commercial projects, and business-related financing. That means we understand that many profitable deals do not always look perfect on paper at the beginning.
If the deal has a strong property, clear plan, and realistic exit strategy, private money may be worth exploring.
Contact Medex PMC
Medex PMC LLC
Phone:(888) 865-7910
Website:
https://medexpmc.com
Investor Toolkit:
https://medexpmc.com/bc
Start with a no-cost consultation and find out what private money loan options may be available for your project.
Who This Is For
This service is for borrowers who need flexible real estate financing and are working on investment or commercial projects. It is especially useful for investors who need speed, developers who need short-term capital, and borrowers whose deals do not fit traditional bank guidelines.
Frequently Asked Questions
Do private money lenders require perfect credit?
No. Many private money lenders consider the property, equity, project plan, borrower experience, and exit strategy. Credit still matters, but it is not always the only deciding factor.
How fast can a private money loan close?
Some loans can close in as little as 5 business days after underwriting documents are complete. Larger or more complex projects may take longer.
What loan amounts are available?
Loan amounts generally range from $50,000 to $40 million depending on the property, project, and lender.
Can I use a private money loan through a new LLC?
Yes. Many private lending programs allow borrowers to use a new LLC, subject to lender guidelines.
Are private money loans only for fix-and-flip deals?
No. Private money can also be used for rental properties, commercial buildings, bridge loans, construction, multifamily, mixed-use, and other investment real estate projects.
Does Medex PMC lend its own money?
Medex PMC is a private money and commercial loan brokerage. We help connect borrowers with private lenders and funding partners.
Internal Links
Columbia Location Page:https://medexpmc.com/locations/columbia-sc/
Commercial Real Estate Financing:https://medexpmc.com/services/commercial-real-estate-financing/
Bridge Loans:https://medexpmc.com/services/bridge-loans/
DSCR Loans:https://medexpmc.com/services/dscr-loans/
Fix and Flip Loans:https://medexpmc.com/services/fix-and-flip-loans/
Contact:https://medexpmc.com/contact/
