Private Capital · Laguna Beach, CA · Est. 2005
Funding for the deals banks won’t touch.
Privest Financial is a private lender for hard-to-place, business-purpose real estate loans — $100K to $5M, asset-based, and closed in days, not weeks.
$5M
Loans from $100K to $5M — larger case-by-case
3 days
Fastest close on record
2005
Privately lending for two decades
1st
Position liens on real assets
01 — What We Fund
Six ways in when the bank says no.
Every loan is business-purpose and asset-backed. We underwrite the deal and the exit — not your paperwork.
Bridge loans
Short-term capital that secures the property now while permanent financing catches up. Our most-funded scenario.
Fix & flip loans
Acquisition plus rehab costs in one facility, with terms matched to a short project lifecycle.
Land loans
Raw or entitled land, underwritten on value and development potential — even with permits pending.
Construction loans
Ground-up builds and major renovations, disbursed in phases as the project progresses.
Business-purpose loans
Asset-backed capital for acquiring property, expanding operations, or resolving short-term cash flow.
Unique collateral
Unusual assets, complex title, mixed portfolios — if there’s real value and a clear exit, let’s talk.
02 — Our Process
Four steps. No radio silence.
01
Consultation
We listen first. Share your scenario, your timeline, and your goal.
02
Review & strategy
Our team evaluates the opportunity and outlines a funding approach.
03
Terms & commitment
You receive a clear term sheet with honest expectations. No surprises.
04
Funding
We move fast. Most deals close in days, not weeks.
No endless paperwork. No committees. A direct, transparent process run by people who have underwritten alternative lending for decades.
03 — Recent Fundings
Closed where others couldn’t.
$1.2M
Bridge loan, 4 days
Commercial property purchase funded in four days to beat a hard deadline.
6 mo
Fix & flip, past credit issues
Borrower a bank declined — renovation completed and resold inside six months.
On track
Land loan, permits pending
Developer waiting on permit approval — our land loan kept the deal alive.
04 — Two Ways to Work With Us
Borrowers and investors, same table.
Borrowers — deals that don’t fit the box
Facing a deadline, a creative project, or a challenging financial history? What we look for:
A clear exit strategy
Reasonable equity or collateral
A strong business case
Secured yield.
Short-term, high-yield opportunities backed by first-position liens on real estate. We manage underwriting through servicing — you invest with confidence.
Talk to us about investing
05 — FAQ
Straight answers.
Do you fund residential deals?
What’s your minimum and maximum loan size?
Do you require credit checks?
How fast can you fund?
Contact
Send the details on your project — we’ll tell you quickly and honestly whether it’s something we can fund.