San Jose 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

San Jose Private Money Lenders

Private money lenders often provide a bridge over troubled waters. When homeowners face the prospect of foreclosure, a private money loan can save their homes. Considering the amount of money the typical San Jose homeowner has invested in their real estate, a private money loan can be a godsend.
Rising housing prices are great news for Bay Area homeowners. Household net worth continues to rise, fueled by a robust local economy. This means lots of jobs and lots of growth. It also means that homes are easy to sell.
For homeowners in distress, this provides little consolation. When you are facing foreclosure and cannot afford to sell the property, or if your lender has already started the foreclosure process and you are trapped in default, it doesn’t matter how much property values are escalating. You are still facing the prospect of your most valuable investment being sold out from under you.
Private money lenders get you out of foreclosure, so you can keep your house
The great news for San Jose borrowers in foreclosure is that the rising real estate market makes it possible to obtain a private money loan at attractive terms. Private money lenders provide financing to distressed homeowners, even if they have received a Notice of Default, and foreclosure proceedings are underway. If your mortgage has fallen into arrears, you can get a private money loan that pays off your current lender and gives you the opportunity to recover.
Save your equity
If you have built up equity in your home through years of hard work, don’t lose it to foreclosure. When the bank takes your home, it sells it for its own benefit, not yours. All the bank wants is to auction your home as soon as possible to get its money. This means your home can be sold below market value, allowing someone else to scoop the equity you built. Worse, the bank may even sell it for less than you owe, and then hold you responsible for the difference.
Stop foreclosure right now through a private money loan
Private money loans are based on the value of your home, not your credit score. The bottom line with private money loans is that if your property has sufficient equity, you can be approved, even if your credit rating has been severely damaged. You can also be approved if you have lost your source of income or if your income has diminished due to a change in circumstances.
Private money loan approvals are asset based rather than credit and income based. If you have equity, your home is worth saving. If you have equity, you can obtain a private money loan. 
How it works
Private money lenders are people just like you. They have money to invest and face none of the constraints of retail banks. Retail loan officers must base their decisions on a matrix that looks at credit score, income, mortgage payment history, and property value. Even if you owe $200,000 on a home worth $300,000, they reject your loan if it doesn’t fit all of their criteria.
Private lenders, also known as hard money lenders, look at property value. Generally speaking, hard money lenders are willing to loan up to 80 percent of the value of a home. Since a homeowner who owes $200,000 on a $300,000 property needs only 66 percent of the property value, he or she most likely qualifies for a hard money loan, regardless of credit score of if in foreclosure.
In this scenario, the borrower could get out of foreclosure by taking out a hard money loan and paying off the foreclosing lender, saving the $100,000 in equity. The borrower then can either refinance the loan or sell the property. Either way, the borrower keeps his or her equity.
If you are facing hard times, a hard money loan can provide a bridge to see you through. It can take an enormous weight off your shoulders and give you the opportunity to keep your home. A private money loan buys you the time you need to preserve your real estate investment’s value.

Hard Money Loans

Need funding for your next project?

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