Real estate financing designed for real investors — fast and flexible
Private Capital Source provides fast, flexible private money loans for real estate investors in Redding, CA and throughout California. From fix-and-flip to commercial acquisitions, we fund your deals.
Loans designed for every stage of life
We bring together property analysis, loan structuring, and coordinated care — all tailored to you. Click through to see how we support each part of your investment journey.
Fast, flexible financing, predictive insights, 24/7 virtual care, predictive insights, & coordinated treatment — all in one place coordinated lending — all in one place
Everything you need to fund your real estate projects, unified in a single lending platform.
Direct Lender Access
Call your lender directly, get pre-approvals in hours, and close loans without the red tape of traditional banks.
24/7 AccessPredictive Lending Insights
Our team analyzes market trends and property data to identify risks early — before they cost you money.
Smart DetectionCoordinated Lending Team
Your loan officer, underwriter, and processor share one system — no repeating your deal, no lost paperwork.
ConnectedClient Portal Access
Track your loan progress, upload documents, message your lender, and access loan details — all from your phone or computer.
Self-ServiceFast Pre-Approvals
Need funding fast? We offer pre-approvals within 48 hours. Submit your application today and get a decision tomorrow.
Walk-In FriendlyTransparent Loan Terms
We offer clear, upfront pricing on every loan. No hidden fees, no surprise costs. View your terms in the client portal.
Transparent PricingSee why hundreds of investors choose Private Capital Source
Real results, real recognition, real difference. Here's what sets us apart.
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Rated top private lender in the region — 3rd year running
Just announced! Investors and partners rated Private Capital Source the #1 private lender in the region for the third straight year. Our commitment to fast, flexible, client-first lending earned top marks across every category.
See why clients love Private Capital Source
Clients see a 94% loan approval rate
Clients who submit complete applications see approvals within 48 hours. Our streamlined approach — lender, underwriter, and processor working together — drives faster closings and better terms.
Learn about our outcomes
Built for your specific investment strategy
Private Capital Source works the way investors think — with strategy-specific loan products and deep market knowledge. From fix & flip to commercial, our lending teams are structured for your exact situation, not just generic financing.
Explore our specialties
Award-winning digital lending and remote closings
Our digital lending platform reduces unnecessary delays by 40% — and was recently honored by the Regional Lending Innovation Council. Clients get the same quality service from home, office, or anywhere in between.
See the differenceComprehensive loan programs, one trusted team
From fix & flip to commercial — we cover the full spectrum of private money lending for real estate investors.
Fix & Flip
Your first call for fix & flip financing
Fast pre-approvals, property analysis, and ongoing project support for fix & flip investors.
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Rental / BRRRR
Build your rental portfolio strategically
Proactive underwriting, portfolio strategy, and fast closings that keep your BRRRR strategy on track.
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Commercial Loans
Fast results, in-house underwriting
In-house underwriting, commercial loan structuring, and rapid approvals — terms available within 48 hours in your client portal.
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Bridge Loans
Short-term gap financing for investors
Short-term bridge financing for investors who need to move fast — with flexible terms and quick closings.
Learn moreYour path to funding in four steps
From application to funding, we make lending simple, clear, and fast.
Submit Your Application
Apply online or call us. Applications reviewed within 48 hours. New investors welcome — no prior relationship needed.
- Online or phone application
- New client intake
- Property verification
Meet Your Lending Team
A dedicated loan officer, underwriter, and processor — all reviewing your deal and structuring a plan together.
- Comprehensive deal review
- Personalized loan structure
- Additional programs if needed
Property Review & Approval
From property review to final approval, your loan structure adapts as your deal progresses — with regular updates and adjustments.
- Property assessment on-site
- Regular progress updates
- Term adjustments as needed
Close & Fund
Fast closings, flexible draw schedules, and a client portal — so you're never alone between funding milestones.
- Draw management
- Secure client portal
- Document management
Lending that puts you first
We believe every investor deserves a lender who listens, a team that moves fast, and a process that actually works.
- Experienced Lenders — Experienced lenders across every loan program we offer.
- Fast Pre-Approvals — Submit today, get approved within 48 hours. No weeks-long waits.
- Transparent Pricing — Know your costs before you sign, not after.
- Connected Lending Team — One shared file, one coordinated plan, one trusted team.
- Digital Lending Platform — Online applications, document uploads, and lender support after hours.
Find the right loan for you
Filter by category to see what we offer. Click any card to learn more.
Fix & Flip Loans
Fast financing for property acquisitions and renovations with personalized loan structuring.
Rental & BRRRR Loans
Portfolio financing for rental acquisitions, refinances, and BRRRR strategies.
Commercial Loans
Commercial property loans with in-house underwriting and rapid approvals — no bank waits.
Bridge Loans
Short-term gap financing with flexible terms and fast closings.
Construction Loans
Construction-to-perm financing with draw schedules and project oversight built in.
Hard Money Loans
Asset-based lending for investors who need speed and flexibility over traditional bank terms.
See the difference
Real clients, real results. The gallery auto-rotates — hover to pause.
Built on trusted networks
Our core values
The principles that guide every decision we make and every client we serve.
Integrity
We do what's right for clients — even when no one is watching. Honest terms, transparent fees, and no hidden costs.
Excellence
From lending expertise to client experience, we hold ourselves to the highest standard — and then raise it again.
Partnership
Real estate investing isn't a solo journey. We work alongside clients, brokers, and partners as one coordinated team.
Reliability
When you need us, we're here. Fast pre-approvals, digital lending platform, and lenders who call you back.
Innovation
We invest in technology that improves lending — digital applications, predictive analytics, and a client portal that actually works.
Community
We're proud to serve Redding and Northern California — supporting local developers, hosting investor meetups, and building our community.
Experienced lenders who move fast for you
Our team brings decades of combined experience across fix & flip, commercial lending, and portfolio financing.
What our clients say
Real stories from real investors who trust us with their financing.
"I've been a client for 8 years. The service here is exceptional — they always take time to explain loan terms and never make me feel rushed. Best lender I've ever worked with."
"After struggling with slow bank approvals elsewhere, Ken gave me clarity and a loan structure that actually worked. I finally feel in control of my investments again."
"The digital lending platform saved me so much time. I got a loan approval in under 48 hours without leaving my office. Amazing service that fits my schedule."
Common questions
Have questions? We have answers. Browse by category or reach out to our team.
We offer fix & flip loans, rental/BRRRR financing, commercial loans, bridge loans, and construction loans — all from one direct lender.
Simply call us at (530) 710-4262 or fill out the contact form below. We'll start your application and guide you through the process.
Yes. We offer pre-approvals within 48 hours. Submit your application today and get a decision fast.
You can apply by phone, through our client portal, or via the contact form on this page. Applications can be submitted online in under 10 minutes.
Please provide a photo ID, property details, your financial statements, and any relevant documents from previous lenders.
Yes. We offer remote closings for most loan types. Digital closings are ideal for refinances, draws, and follow-up signings. Call us to see if your loan qualifies.
We offer competitive rates starting at 8.99% for fix & flip, 7.5% for rental, and custom pricing for commercial. Contact us for a personalized quote.
Yes. We offer transparent pricing with no hidden fees. Loan origination is typically 1-2 points. All costs are disclosed upfront before you sign.
You can pay online through the client portal, by phone during business hours, or by wire transfer. We accept ACH, wire, and checks.
Ready to take the next step?
Your funding is our priority. Apply today and experience the Private Capital Source difference.
Apply NowGet in touch
Ready to take the next step? Submit your application today — we'll respond within 24 hours.
Phone
(530) 710-4262
Mon–Fri 8am–6pm
info@privatecapitalsource.com
24-hour response
Office
Redding, CA 96001
Northern California
Hours
Mon–Fri: 8am–6pm
Sat: 9am–2pm