private lending
Custom Capital Solutions for Real Estate Deals That Don’t Fit the Box
Private lending gives real estate investors and developers access to flexible capital when traditional banks, conventional lenders, or standard loan programs are not the right fit.
$800M+
IN LOANS CLOSED
300+
PROJECTS FUNDED
200+
HAPPY CLIENTS
12+
YEARS OF EXPERIENCE
overview
Flexible Capital for Unique Real Estate Opportunities
Not every real estate project fits neatly into a traditional lending program. Some deals require speed. Others require flexibility, creative structuring, asset-based underwriting, or a lender willing to understand the full business plan.
Private lending can help investors and developers finance opportunities that may not qualify through banks or conventional financing sources. This can include short-term acquisitions, complex refinances, value-add projects, construction scenarios, distressed properties, transitional assets, and time-sensitive closings.
Build Lending helps review the opportunity, structure the request, and connect the deal with private lenders, debt funds, and capital partners that understand real estate investment financing.
Private Lending Can Be Used For
Unique Property Purchases
Capital for real estate acquisitions that may not fit traditional lending guidelines.
Short-Term Capital Needs
Flexible financing for time-sensitive opportunities, closings, or business plan execution.
Complex Refinances
Refinance existing debt when the property, borrower, or situation requires a more tailored approach.
Value-Add Projects
Financing for renovation, repositioning, stabilization, or income improvement strategies.
Distressed or Transitional Assets
Capital for properties needing repairs, lease-up, title resolution, stabilization, or repositioning.
Custom Loan Structures
Creative financing options for real estate deals that require more than a standard loan program.
Typical Private Lending Structure
Loan Type
Private money, asset-based, bridge, construction, acquisition, or refinance
Property Types
Residential, multifamily, mixed-use, commercial, land, and select special-use properties
Loan Amounts
$50,000 - $50,000,000+
Leverage
Based on LTV, LTC, property value, borrower profile, and exit strategy
Term
Usually short-term, but varies by project and lender
Payments
Interest-only, amortizing, or custom structures depending on the loan
Underwriting
Often focused on asset value, equity, exit strategy, and borrower execution
Exit Strategy
Sale, refinance, stabilization, permanent financing, or project completion
Actual terms vary by lender, borrower qualifications, property type, project budget, market, and exit strategy.
What Matters Most to Private Lenders
Property Value
Private lenders often focus heavily on the current value, future value, and overall quality of the collateral.
Equity Position
The borrower’s equity in the deal is a major factor. Stronger equity can improve lender confidence and available options.
Borrower Experience
Prior ownership, multifamily operations, development experience, or property management experience can improve lender confidence.
Deal Story
Private lenders want to understand why the loan is needed, what problem it solves, and how the borrower plans to execute.
Timeline
Speed often matters in private lending. Lenders evaluate how quickly capital is needed and whether the request can realistically close on time.
Exit Strategy
A clear plan to repay the loan through refinance, sale, stabilization, or project completion is critical.
Why Work With Build Lending
Private Capital
Requires the Right Fit
Private lending is not one-size-fits-all. Some private lenders specialize in residential investment properties. Others focus on multifamily, commercial assets, land, construction, bridge financing, or unique situations that need custom structuring.
Build Lending helps evaluate your project, identify the right capital path, and connect your deal with lenders and capital partners that are active in your type of opportunity.
- Access private lenders, debt funds, and capital partners
- Structure unique or complex loan requests before submission
- Compare financing options beyond one lender’s program
- Identify lenders that fit your property type, timeline, and exit strategy
- Save time by avoiding lenders that are not a match
OUR PRIVATE LENDING PROCESS
Submit Your Scenario
Share the property details, loan request, timeline, current situation, and desired outcome.
We Review the Opportunity
We evaluate the collateral, equity position, loan purpose, borrower profile, and exit strategy.
We Structure the Request
We help position the deal so lenders can clearly understand the opportunity and risk.
We Match the Right Capital
We connect the scenario with private lenders and capital partners that fit the deal.
Close and Execute
Once approved, we help move the loan through underwriting, closing, and funding.
frequently asked
Common Questions
Private lending is financing provided by private lenders, individuals, debt funds, or non-bank capital sources. It is often used for real estate investment projects that require speed, flexibility, or a structure that traditional lenders may not offer.
Banks typically have strict underwriting guidelines, longer timelines, and more standardized requirements. Private lenders may focus more on the property, equity, exit strategy, and overall deal structure.
Private lending can be used for residential investment properties, multifamily, commercial properties, mixed-use assets, land, construction projects, and other real estate opportunities depending on the lender.
No. Private lending can be used for distressed assets, but it can also be used for acquisitions, refinances, construction, value-add projects, cash-out scenarios, and time-sensitive opportunities.
Timing varies by lender and deal complexity. In many cases, private lending can move faster than traditional financing when the borrower has the required information available and the deal is clearly structured.
Not always. Private lenders often place more emphasis on collateral, equity, exit strategy, and borrower execution. However, credit, liquidity, and experience may still affect approval and terms.
Yes. Depending on the project and lender, private lending can include funds for renovation, construction, completion, or value-add improvements.
Build Lending helps you avoid wasting time with lenders that are not a fit. We review the scenario, structure the request, and connect your deal with capital sources that match your project type, timeline, and exit strategy.
Need a Custom Lending Solution?
Whether your project is time-sensitive, complex, transitional, or outside traditional lending guidelines, Build Lending can help you find private capital options that fit the opportunity.