Financing Options

Loan programs for every strategy

From fix-and-flip to commercial acquisitions — we have the right financing for your real estate investments.

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What We Offer

Choose your loan program

Flexible financing designed for real estate investors. No bank red tape — just fast, reliable capital.

Residential

Fix & Flip

Short-term loans designed for investors who purchase, renovate, and resell properties. Fast approvals, interest-only payments, and no prepayment penalties.

Rate from10.99%

Term3–18 months

LTVUp to 85%

Residential

Rental / BRRRR

Long-term financing for buy-and-hold investors. Perfect for the BRRRR strategy — buy, rehab, rent, refinance, repeat. Competitive rates with 30-year terms.

Rate from7.5%

Term30 years

LTVUp to 80%

Commercial

Commercial Loans

Financing for commercial real estate acquisitions, refinances, and cash-out transactions. Office buildings, retail centers, multifamily, and more.

Rate from8.5%

Term1–5 years

LTVUp to 75%

Short-Term

Bridge Loans

Temporary financing to bridge the gap between transactions. Ideal when you need to close fast or transition between properties. Terms from 6 to 24 months.

Rate from9.5%

Term6–24 months

LTVUp to 80%

Ground-Up

Construction

Ground-up construction and major renovation financing. Draw schedules tailored to your project timeline. Interest-only during construction.

Rate from10.5%

Term12–18 months

LTCUp to 90%

Portfolio

Portfolio Loans

Financing for investors with multiple properties. Consolidate your portfolio under one loan with streamlined management and competitive terms.

Rate from8.0%

Term5–30 years

LTVUp to 75%

How It Works

From application to funding in 3 steps

Submit Application

Apply online in minutes. Tell us about your project and investment strategy. No obligation.

Get Approved

We review your file and issue a term sheet within 48 hours. Clear terms, no surprises.

Close & Fund

Sign docs and we wire funds. Most loans close in 5–7 days from approval.

Why Private Capital

PCS vs. traditional banks

FeaturePrivate Capital SourceTraditional Bank

Approval Time48 hours3–6 weeks

Closing Time5–7 days30–45 days

Credit Score FlexibilityFlexibleStrict 700+

Property ConditionAny conditionMove-in ready

Income VerificationFlexible2 years W-2s

Prepayment PenaltyNoneOften yes

Questions?

Frequently asked questions

How fast can you fund?

Typically 48 hours for approval and 5–7 days to close. Same-day approvals possible for experienced borrowers with complete files.

What are your rates?

Rates vary by loan type, property, and borrower experience. Fix-and-flip rates start at 10.99%, rental loans from 7.5%, and bridge loans from 9.5%. Contact us for a custom quote.

Do you require an appraisal?

In most cases yes, but for experienced borrowers we can use broker price opinions (BPOs) or interior-only appraisals to speed up the process.

Is there a prepayment penalty?

No. We don't charge prepayment penalties on any of our loan programs. Pay off early and save on interest.

What areas do you lend in?

We lend throughout California, with primary focus on Redding, Sacramento, Fresno, and surrounding areas.

Ready to fund your next deal?

Apply now and get pre-approved in as little as 48 hours.

Apply Now