How are private lender loans different from conventional mortgages?

They are business-purpose loans approved on the property and the investor's plan rather than agency guidelines, so they can close faster and finance properties a bank would not touch.

Is Hedge Wealth Capital a broker or a direct lender?

We are a direct lender. We fund loans with our own capital, which is why we can approve the same day and control our closing timelines.

We lend in all 50 states and Washington, D.C.

Do private money lenders finance the renovation budget?

We do. Our fix and flip program funds up to 100% of both purchase and rehab, subject to an after-repair value cap.

Can I borrow through an LLC?

Yes. LLCs are welcome, and our loans are structured for business owners and investment entities.

Do you lend on owner-occupied homes?

No. We only finance non-owner-occupied investment properties.

How do I get started?

Complete the short prequalification form or call 1-800-674-3804. A loan officer will review your property and strategy and recommend the right program.

Direct Private Real Estate Lender

Private Money Lenders for Real Estate Investors

Hedge Wealth Capital is a privately owned lender that funds every loan with its own capital. No outside investors to answer to, no committee delays: just investors financing investors since 2010.

Find Out If You Prequalify Call 1-800-674-3804

Real estate investor and private money lender shaking hands over a model house

Program snapshot

Years lending: 15+; Years lending
Loans funded: 9,000+; Loans funded
In originations: $2B+; In originations
States served: 50 + DC; States served

100% Own CapitalDirect, not a broker

Since 2010Investors ourselves

What a Private Money Lender Does Differently

Banks lend depositors' money under strict agency guidelines, so a missing kitchen or an investor's self-employment income can stop a loan cold. A private money lender lends its own capital and sets its own rules, which means decisions are based on the real estate, the plan and the person behind it.

Because we make every underwriting decision ourselves, you talk directly to the people who approve your loan. That is how we deliver same-day approvals and keep closing dates, deal after deal.

Investor meeting a private lender outside a modern building

A Lender Built by Real Estate Investors

Hedge Wealth Capital is part of a vertically integrated real estate group that acquires, renovates and manages its own properties, with a rental portfolio of more than 275 units. We know what a stalled draw or a slipped closing costs an investor, because we have lived it. Read more about Hedge Wealth Capital.

Common-sense underwriting

We review your full financial picture instead of running you through a rigid formula.

Direct communication

No middlemen. Your loan officer works alongside the people who approve and fund the loan.

Repeat-borrower pricing

Price-Beat Guarantee

Property under contract? Bring us a competing offer and we will work to beat it.

Private Lender Loans for Every Strategy

One relationship can cover the full life of an investment. Buy and renovate with hard money loans for flipping houses, move fast on time-sensitive acquisitions with bridge loans, then hold for the long term with a 30-year DSCR loan or pull equity out through a cash-out refinance.

Growing past a handful of doors? Our rental portfolio loans are built for investors who want one lender behind an entire portfolio.

Step by Step

How to Choose a Private Lender

Confirm they are direct

Ask whether the lender funds loans with its own capital or brokers them to someone else.

Check the track record

Look for years in business, loans funded and how consistently they hit closing dates.

Compare the full cost

Look past the rate to points, fees, draw terms, extensions and prepayment provisions.

Talk to the decision-maker

The best private lenders let you speak with the people who actually approve the loan.

Compare

Private Money vs. Bank Financing

Where a private lender fits next to a conventional bank loan.

Feature	Hedge Wealth Capital	Conventional bank
Decision maker	In-house, by investors	Committee and agency guidelines
Approval speed	Same-day approval	Weeks of underwriting
Property condition	Distressed and mid-renovation OK	Must be move-in ready
Income documentation	Low-doc options available	Tax returns, W-2s and DTI

Decision maker

Hedge Wealth Capital: In-house, by investors

Conventional bank: Committee and agency guidelines

Approval speed

Hedge Wealth Capital: Same-day approval

Conventional bank: Weeks of underwriting

Property condition

Hedge Wealth Capital: Distressed and mid-renovation OK

Conventional bank: Must be move-in ready

Income documentation

Hedge Wealth Capital: Low-doc options available

Conventional bank: Tax returns, W-2s and DTI

FAQ

Frequently Asked Questions

Still have a question?

Talk to our team about your property and timeline.

1-800-674-3804

A private money lender is a non-bank lender that funds real estate loans with its own capital. Hedge Wealth Capital lends 100% of its own funds to real estate investors and makes all underwriting decisions in-house.

Related Programs

Keep Exploring Financing Options

House under renovation with scaffolding, financed with a hard money loan

Fix & Flip Financing

Hard Money Loans

Hard money fix and flip loans covering up to 100% of purchase and rehab costs. Same-day approval, pre-approval with no deal required, and fast closings in all 50 states.

Explore Hard Money Loans

Construction worker framing a new building financed with a bridge loan

Short-Term Bridge Capital

Bridge Loans

Short-term bridge loans for investment property: up to 90% LTC on multifamily and new construction, no appraisal required, and closings in as little as 7 days in all 50 states.

Explore Bridge Loans

Row of rental townhomes in an investor's portfolio

Portfolio Financing

Rental Portfolio Loans

Rental portfolio loans for investors scaling from one property to many. Cash-flow based approval, no personal income verification, LLCs welcome, and lending in all 50 states.

Explore Rental Portfolio Loans

Talk With HWC

Have a property under contract or a project you are evaluating? Tell us where things stand and what financing questions you need to resolve.

Find Out If You Prequalify Call 1-800-674-3804