Banking the Unbanked
Too often, well-run businesses struggle to obtain the banking products available to most other companies — because of the industry they operate in, or a history that no longer reflects how the business runs today. We lend our own capital to businesses like these, with underwriting that prices actual risk rather than category risk.
Advantages
Flexibility
Terms built around the borrower’s cash flows rather than a bank’s template — the structure follows the business, not the other way around.
Speed
We evaluate quickly, propose quickly, and close quickly. Our cost of capital is higher than a bank’s — but the cost of waiting often dwarfs the cost of capital.
Understanding the Process
Initial Consultation
We evaluate your needs and assess potential lending scenarios.
Document Review
We review all necessary documentation for transparency.
Approval Process
We quickly assess your application and provide feedback.
Funding Release
Funds are disbursed upon completion of all conditions.
Frequently Asked Questions
Explore our most common inquiries regarding private lending and investments.
Private lending involves individuals or companies providing loans directly to borrowers without the involvement of traditional financial institutions. It offers flexibility and can cater to specific needs, making it a viable alternative for financing projects.
Small businesses, real estate investors, and even individuals seeking to finance personal projects can all benefit from private lending. It provides an efficient means to access funds quickly, accommodating varied financial profiles.
Interest rates in private lending typically vary based on the risk assessment of the borrower, the amount of the loan, and current market conditions. Lenders may use these factors to tailor rates that reflect the unique circumstances of each loan.
Loan terms in private lending can range widely. Generally, terms can be as short as a few months to a few years, depending on the needs of the borrower and the capital and collateral risk. Flexibility is a key advantage of private loans.
Many private lenders will require some form of collateral to secure the loan. This helps mitigate risk and ensures that the lender has a fallback should the borrower default. The type and value of collateral may vary based on the agreement.