Who it fits
Private lenders and debt funds can finance requests that fall outside bank policy, including tight closing deadlines, heavy renovation, partial vacancy, recent credit events, and specialized property. Capital Partners places these requests with private lenders whose current criteria fit the asset and the exit.
Private capital usually costs more than bank or agency debt, so the loan term should match the time the business plan actually needs and set up a clean path to longer-term financing.
The request should tell one consistent story across the source documents, underwriting, and borrower presentation. Capital Partners tests the loan purpose, requested amount, property condition, sponsor contribution, and exit before broad outreach begins.
Terms and structure
Loan amount, leverage, pricing, recourse, amortization, reserves, and timing depend on the property, borrower, request, and current lender market. A principal reviews the applicable range after the first conversation.
What lenders review
Lenders focus on as-is and stabilized value, the business plan, sponsor liquidity, the timeline, and a credible refinance or sale exit. Different capital sources weight those facts differently. A bank may emphasize relationship, global cash flow, and guarantor support, while a debt fund may focus more heavily on basis, control, and the path to repayment.
Capital Partners compares more than the headline rate. Proceeds, recourse, reserves, prepayment, reporting, extension rights, deposit requirements, and closing certainty can change the economic result.
How the placement works
First, the team confirms the request and identifies the credit issues likely to matter. Second, Capital Partners matches the scenario against lender criteria and reviews the candidate set. Third, the team approaches the lenders that fit, manages questions, compares proposals, and helps the borrower move the selected execution toward closing.
A disciplined process protects the borrower's time and avoids presenting an incomplete request to sources that were never suited to the transaction.
Common questions
When should a borrower use a private or hard money loan?
Borrowers use this structure when the property and business plan call for it. The right fit depends on as-is and stabilized value, the business plan, sponsor liquidity, the timeline, and a credible refinance or sale exit.
What terms should I expect?
Pricing, proceeds, recourse, amortization, reserves, and closing conditions depend on the lender and the current deal. A principal reviews current structures on the first call rather than publishing unconfirmed market ranges.
How does Capital Partners choose lenders?
The team filters the private database by property, deal type, capital range, geography, current status, and the preferences that matter to the borrower. A principal then reviews the result before lender outreach.
What should I prepare first?
Prepare a clear request, current property information, sponsor background, sources and uses, and support for as-is and stabilized value, the business plan, sponsor liquidity, the timeline, and a credible refinance or sale exit. Capital Partners will identify the remaining items after the first review.
Can I start without a full package?
Yes. The capital plan collects the core scenario without documents. A lender-ready package follows after Capital Partners confirms the likely execution paths.