Sacramento 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

Sacramento Private Money Lenders

A lot of homeowners and real estate investors believe that retail banking institutions provide the only source of mortgage funding. Though retail banks provide the largest number or purchase and refinance loans, private money lenders serve several niches within the mortgage market that all homeowners and real estate investors need to be aware of. A private money lender helps when the loan scenario doesn’t fit the retail banking sector’s narrow standards. Private money loans are particulalry helpful when a deal needs to close quickly, a repair or rehab project is being contemplated, or the borrower is in financial distress.
What are private money loans
Private money loans are frequently referred to as hard money loans. They are granted by individual investors. The investors are people who have money they feel can best be used through loaning it to people who have valuable properties or wish to buy valuable properties.
As any real estate investor or homeowner in Sacramento knows, property in California’s beautiful capital is valuable and trending upwards. People love this city and its economy continues to thrive. That means real estate demand continues to strengthen.
Strong demand makes private money loans possible. Private money loans are based on the value of the underlying asset, not the borrower’s credit rating or income. This flexibility allows private money lenders to fund strong real estate transactions where conventional mortgage loans fall short.
Fast closings
Private money loans close in as little as 24 hours. The asset-based nature of the loans makes this possible. Because the loans do not require credit and income verifications, approvals are quick.
Conventional loans often take 30 to 60 days to close and fund. As real estate investors in Sacramento know, when you want to buy an investment property, you don’t have 30 to 60 days to get that loan. You need that loan approval today, or some other investor will be cashing in on your opportunity.
After repaired value loans 
When you are looking for properties to fix and flip, private money loans are a necessity. Conventional loans are inferior because they base their loan amounts on a loan to value (LTV) ratio. This ratio uses the property’s current value, not the after repaired value.
For example, if a property’s value stands at $500,000, a conventional lender typically wants a down payment of 20 percent, or $100,000. If the property then needs $100,000 in repairs, that means the investor needs a whopping $200,000 cash!
Private lenders use the after repaired value (ARV). In this example, the property repairs will increase the value to $750,000. That means the private money lender can loan 80 percent of $750,000, or $600,000. This leaves the investor enough to make the repairs and flip that house for big profits!
Homeowners who need money to rehab or repair their own homes can use private money lenders as well. The ARV for their homes often provides them with enough value to fund restoration with a private money loan.
The asset value is important, not credit score
This makes private money loans an attractive option for borrower’s in distressed financial circumstances. Often, a job loss, medical condition, or other life event causes households to fall behind on their bills or acquire debt. This can make qualifying for a conventional loan all but impossible.
Borrowers in this situation qualify for private lender loans, provided that their property has sufficient value. In these cases, a private loan can assist with paying off debt, completing home repairs, or getting out of foreclosure.
If faced with these financial pressures, a private lender loan can provide the bridge over these troubled times. Private loans are meant as short-term loans that the borrower will keep for no more than a few years. Before the loan term expires, the borrower usually refinances or sells the property.
Private loans offer an alternative for borrowers whose circumstances place them outside of the conventional loan mold. They help borrowers close on loans quickly, manage debt, and even stop foreclosure.

Hard Money Loans

Need funding for your next project?

Complete Our Application