About Private Capital Source
Trusted private money lending for real estate investors throughout California since 2008.
A new kind of lending — built around you
Private Capital Source was founded to provide fast, flexible financing solutions for real estate investors who need capital without the red tape of traditional banks. Based in Redding, California, we serve investors throughout the state with a focus on speed, transparency, and personal service.
Whether you're flipping houses, building a rental portfolio, or financing commercial acquisitions, we have the expertise and capital to fund your deals. Our team has deep experience in California real estate markets and a track record of successful partnerships with investors.
We understand that timing is everything in real estate. That's why we offer quick approvals, flexible terms, and a streamlined process designed to get you to closing fast.
Built for investors, not bureaucracy
Fast Approvals
Get approved in as little as 48 hours. No bank delays, no endless paperwork.
Flexible Terms
Loan programs tailored to your investment strategy, not a one-size-fits-all template.
Local Expertise
Deep knowledge of California real estate markets. We invest where you invest.
Trusted Partner
$500M+ funded and a 4.9-star rating. We're in this for the long haul.
Loan programs for every strategy
Fix & Flip
Short-term loans for investors who purchase, renovate, and resell. Fast approvals, interest-only payments.
Rental / BRRRR
Long-term financing for buy-and-hold investors. Perfect for the BRRRR strategy with 30-year terms.
Commercial
Financing for commercial real estate acquisitions, refinances, and cash-out transactions.
Bridge Loans
Temporary financing to bridge the gap between transactions. Terms from 6 to 24 months.
Construction
Ground-up construction and major renovation financing with draw schedules tailored to your project.
Portfolio Loans
Financing for investors with multiple properties. Consolidate and optimize your portfolio.
Real Results
Actual projects funded by Private Capital Source
Sacramento Fix & Flip
$285K loan • 6-month term • Property sold in 4 months
Redding BRRRR
$420K loan • Buy-rehab-rent-refinance in 8 months
Fresno Commercial
$1.2M loan • Retail center acquisition • 12-month term
Our core values
Speed
Every day matters in real estate. We move fast because your deals can't wait.
Transparency
Clear terms, no hidden fees. You always know exactly what you're getting.
Partnership
We're not just a lender — we're your capital partner. Your success is our success.
Integrity
We do what we say. Funded $500M+ with a 4.9-star client rating to prove it.
The people behind your funding
Ken Hunter
15+ years in private lending. NMLS #244201, CA BRE #01845199.
Sarah Mitchell
Specialist in fix-and-flip and rental financing for Northern California.
David Chen
Commercial and multi-family specialist. 10+ years underwriting experience.
Maria Rodriguez
Ensures smooth, on-time closings. Your point of contact from approval to funding.
What investors say about us
"Private Capital Source funded my fix-and-flip in 3 days. The bank was still asking for paperwork. I'll never go back to traditional lending."
"As a BRRRR investor, I needed a lender who understood the strategy. PCS got it. No friction, no delays — just funding."
"I've closed 6 deals with PCS. Every single one was smooth, fast, and exactly as promised. They're my go-to lender."
"The team at PCS treated me like a partner, not a number. When my bridge loan needed an extension, they made it happen same-day."
