Oakland Private Money Lenders

We empower entrepreneurs, real estate investors, and businesses of all sizes challenge the status quo. We take risks on the go-getters, and do’ers – who have an opportunity and need a partner.At Delancey Street, we invest in people and their ideas – not abstract concepts like credit scores, or other financial metrics. Tell us about your idea, let’s discuss your opportunity

1

High LTV

We fund hard money loans up to 80-90% LTV with no issues.

2

Fast

We promise to treat you like a partner

3

No $ Limit

No limits on what we can do for you.

Business Funding

Our client was a trucking company based out of NY, that needed quick funding. In 24 hours, we arranged $100,000 in funding.

Raised
APR
ARV
700,000
9,0%
60%
100% Funded!

Residential Refinance

We funded a purchase in California, for $1.2 million with 65% LTV. We helped the developer with with a 11% loan with balloon payment.

Raised
APR
ARV
1,200,000
11%
82%
100% Funded!

Lawsuit Funding

Client was injured in a car accident and needed a cash advance on the future value of his lawsuit. In 48 hours, our funders wired funds over.

Raised
APR
ARV
830,000
8,99%
75%
100% Funded!

PARTNERS FIRST.
LENDERS SECOND.

Hear from people we've helped

Delancey Street makes lending easy. They took a chance on me when no one else would.

Jason

Founding Partner (Cut and Stitch)
Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.
Delancey Street makes lending easy. They took a chance on me when no one else would and helped my...

Steven Goldman

Founding Partner (Goldman & Associates
Chicago Lawyer)

Industries We Service

Cannabis
Residential Real Estate
Commercial Real Estate
Startups

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

We’re here to answer your
questions. Contact us anytime:

Minimum Qualifications Requirements

Delancey Street’s team consists of builders, developers, hard money lenders, and entrepreneurs. We understand your project has unique needs, and not every project is going to be easy and be ideal. These are general guidelines which should be interpreted as a suggestion, rather than mandatory.

At the end of the day, we look at you – just as much as the quality of the deal and the qualifications.

  • Risk Free. No Application Fees.
  • Decisions Within 48 Hours.

Hard Money Loan Guidelines

Speed We close within 24-48 hours
Paperwork Not much
Qualification Project and LTV matter. We don’t care about your credit.
Maximum LTV 80-90%
Loan Terms 12-48 Months

It’s Simple

  • 1 Tell us your financial request
  • 2 We consult & provide terms
  • 3 We finalize the transaction

Get pre-qualified

  • Looking to purchase a property
  • No obligation and no effect on y
Get pre-qualified today

Oakland Private Money Lenders

Private money lenders provide a vital resource for Oakland homeowners and real estate investors. With Bay Area property prices continuing to climb into the stratosphere, professional investors and average homeowners alike continue to build equity in their properties. As great as the price increases may be, there are many homeowners and real estate investors being frozen out of this vast wealth-building opportunity.
They are being frozen out by retail banks. Beholden to stockholders, loan committees, and government regulations, retail banks provide little flexibility in their lending terms. This rigidity harms real estate investors who need fast closings on nonstandard properties and homeowners trying to navigate difficult financial times in the Bay Area, where the cost of living continues to rise.
Private money lenders provide both a method of financing nonconforming deals and provide a lifeline to distressed borrowers.
Lending based on asset values makes it possible
Private money lenders, also known as hard money lenders, help borrowers where retail lenders cannot because they base their lending decisions on the value of the asset, not the borrower’s credit score or income. When they evaluate a loan opportunity from a real estate investor, they are able to appraise the value that the investor brings to the property through plans to rehab and sell the property at a profit, making private money lenders a great option for investors looking to fix and flip houses in the Bay Area.
Distressed homeowners have a way to save their home equity
Though the Bay Area’s housing market may be booming, households still have to navigate very high costs of living. This means that if something happens that breaks the budget, families can find themselves deeply in debt. A job loss, medical expense, illness, or some other event can leave homeowners behind, and catching up can seem nearly impossible.
Often, distressed homeowners try to refinance with a retail bank but find that their recent credit woes disqualify them. If they have had a change of circumstances that caused a loss in income, getting a new mortgage can be all but impossible. Because retail banks look at credit score and income, homeowners can find themselves locked out of retail-bank mortgage opportunities.
When homeowners have built up equity in their property, which often represents all they have, losing their homes to foreclosure is a devastating blow. Tens or even hundreds of thousands in equity can be lost. When the home is sold at auction, the bank simply collects its money, leaving nothing for the homeowner.
Borrowers in this circumstance can save their homes through a hard money loan. These loans generally require a loan-to-value ratio of 80 percent. With an 80 percent loan-to-value ratio, the loan amount can be no more than 80 percent of the home’s value. Because Bay Area prices continue to climb, many homeowners meet this criteria, even if they are in mortgage arrears.
A hard money loan provides distressed homeowners with the funds they need to get our of foreclosure. Then they are free to either sell the property and take their equity out or refinance into a traditional loan, once their finances are back on track.
Nonconforming real estate investment loans
When real estate investors find great fix-and-flip opportunities, they need to jump on them. Competition is fearsome. Private money loans provide the solution because they are granted quickly, often in just 24 hours.
Unlike retail bank loans, private money loans allow investors to qualify for a loan based on the value of a fix-and-flip property after the repairs are completed. This means they can loan 80 percent of the value that they will ultimately sell the property for, which allows them the cash they need to complete the project. This type of forward thinking, investment-based lending doesn’t come from retail banking institutions. It comes from private money lenders who understand what it takes to be successful in the art of flipping houses.

Hard Money Loans

Need funding for your next project?

Complete Our Application