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Why People Choose Private Real Estate Lending over a Bank 

Whether you’re a real estate investor in need of funds for your next flip, or you’re a backer looking to grow your portfolio – a private lender has exactly what you need. It’s important that you understand the myriad of benefits and leverage that come with engaging a private real estate lender versus a big bank.

The point of view of a traditional bank is that loans are a great opportunity to capitalize on interest rates whereas a local, private lender is focused on the same thing as you are – the investment. Sharing in the same goal right from the beginning automatically starts you off in a better position.

Not Just the Money, Gain a Partner

If you’re constantly fixing and flipping homes between 1 and 20 units, then having a reliable lender who not only has experience in real estate but who can offer you the flexibility you need is a must-have! Creativity is at the core, allowing for leverage where a bank may be limited. For example, if you own additional properties, there may be opportunities to cross-collateralize your assets reducing your money to close. These types of complex loans are made possible by private lenders who focus more on the investment than the paperwork.

A bank may not connect the dwindling supply of homes to renovate due to the pandemic to more fertile opportunities in ground-up construction, so they don’t work in service of what you need next – financing for your new construction home. As specialists, private real estate lenders understand the market, forecast what’s needed, and match those needs with creative and flexible solutions that fit your exact situation.

You can often get to the closing table a lot faster with a small, efficient team reviewing your documents rather than the bureaucracy of a bank. Documentation requirements in private real estate lending are often less than for a bank. The private lender knows what information is critical to your deal and they focus on collecting that information. Banks can often take you through a standard process regardless of your situation.

Why Backers Feel Safe With Private Lenders

Many doctors, lawyers, CEOs, and professionals looking to make their money work feel safe investing in a private real estate lender.  They know the team is highly experienced with hands-on construction experience as well as deep lending expertise.  In addition, each loan is scrutinized quickly and efficiently for credit quality, construction experience, budget, and other important variables. Borrowers are set up for success through finding creative solutions to execute their loan needs without putting them in a bad financial position. That sounds like dollar signs.

Smaller teams can help improve transparency and communication, and the lenders understand their reputation is at stake, so there’s often an added layer of comfort in working with private lenders.

Work With Builders Trust Capital, The Best Hard Money Lender Serving NJ, PA, VA, DC & MD.

Builders Trust Capital’s team provides knowledgeable advice and consultation by experienced real estate investors and lenders. Our rates have no junk fees and no hidden fees. All clients receive access to our profit calculator to estimate their costs and gain visibility into a projected investment return. Ready to discuss your funding needs? Contact us by phone at 856-422-3232.

Builders Trust Capital Client Success Stories

Partner with an efficient, personable team who has delivered $120,000,000 in real estate loans

Builders Trust Capital Success Story Photo: 1185 Route 9 South, Cape May Courthouse, NJ
  • Purchased $185,000
  • Rehab $150,000
  • ARV $475,000
  • Fix & Flip Philadelphia, PA
Builders Trust Capital Success Story Photo: 10 Anderson, Morristown NJ
  • Purchased $1,675,000
  • Rehab $450,000
  • ARV $3,955,000
  • Fix & Flip Cape May, NJ
Builders Trust Capital Success Story Photo: 10 Anderson, Morristown NJ
  • Purchased $550,000
  • Rehab $208,286
  • ARV $1,005,000
  • Fix & Flip Haddonfield, NJ

How to Finance Your Real Estate Investment

Our process is simple! We handle the entire loan process in-house. Loans are closed in as little as 10 business days.

Get Started

Fill in the form or call us at 856-422-3232 so we can contact you and begin working on your loan. We're local and happy to meet with you to learn your funding needs.

Pre-qualify

Complete your application and provide supporting documentation.

Proof of Funds

Increase your buying power with a proof of funds (POF) letter.

Loan Processing

Your appraisal and title work are ordered. Your application documents are reviewed. Our in-house processing team will contact you with any questions or additional documentation required.

Get Funded Now

After underwriting is complete, we make sure your closing docs are ready at the table and funds are disbursed timely so you can start your work without delay.

Testimonials

Photo of Raphael Akinsete

If you are a newbie investor, I highly recommend Builders Trust Capital because your first few deals will impact your outlook on real estate investment. If you are a seasoned investor, I also recommend the company as they now offer products for both quick flips and long holds. This way you are covered in both your entry and exit strategy. As a longtime client of Builders Trust Capital I can testify that they are the real deal and there are genuinely good people behind this business.

Raphael Akinsete recommends Builders Trust Capital Oct. 2020
Photo of Raphael Akinsete

Just finished up my first project with the Builders Trust Capital team and wanted to share my appreciation for the good business. Success is often driven by effective relationships, and Builders Trust Capital’s partnership assisted me in strengthening my team all around. The process from beginning to end was smooth and efficient. They are a great partner to have to create opportunities for rookie and veteran investors.

Kristian Latham recommends Builders Trust Capital Aug. 2020
Photo of Raphael Akinsete

Builders Trust Capital lives up to its name. They have truly been a partner to me with my projects. The process from underwriting to construction inspections has never wavered from their initial promise and Ive always been met with professionalism and efficiency. Rare in this space.

Timothy Rosenblum recommends Builders Trust Capital April. 2021
Photo of Raphael Akinsete

Builders Trust Capital is an incredibly responsive and flexible lender for RE investors. They have been able to work with my unique situations and helped us closed on properties no one else could. They know their local area well and can offer guidance. I highly suggest them.

Mike Bonadies recommends Builders Trust Capital

Ready to discuss your funding needs?

Just contact us by phone 856-422-3232. If you prefer, send us a message and we’ll contact you shortly. Let's get started working together.

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