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Welcome to ARC Capital.

We do private money loans.

Private Money Loans

Private Money, also known as Hard Money, refers to loans that are made by individuals rather than banks. Because these loans are made by individuals, they aren’t looked at by a committee or a computer program that can’t think “outside the box”.

These loans can be made to people who won’t qualify for a bank loan. This can be due to credit problems, property problems or difficulty proving income by traditional means (tax returns, paystubs, etc.).

Since the security for the loan is the property, lenders can be more flexible in other areas. For example, we have done many loans for borrowers who have bad credit or no credit at all. We have also lent on properties the banks wouldn’t touch.

Loans are typically given up to 65% of the property value. For example, if a property is worth $100,000, the maximum loan available on that property would be $65,000.

What Makes Us Different?

We have money to lend. This may seem obvious but there are many private money lenders out there who claim to have money but they are sending your loans to other brokers for funding. This not only costs you more money. It also takes more time to get a loan done.

We have our own list of private investors who fund our loans. There is no need for us to go to other brokers to get your loan approved and funded. We do it all in-house.

What are the Benefits of Private Money?

1) It can be a valuable solution when a borrower cannot get a bank loan: In cases where credit isn’t adequate to qualify, the borrower cannot provide sufficient proof of income, or the property is not in good enough condition for the banks, Private Money could be the answer.

2) It is cheaper than getting a partner: Bringing in a partner can cost you 50% of your profits (or more). Simply comparing the cost of a partner to the cost of private money will tell you which is going to be more profitable.

3) Good return on investment: An investor who becomes a private money lender can usually expect to receive an interest rate ranging from 10 - 12%. This is a far higher return than any bank CD and it is secured by real estate.