Unlock Capital with Private Lending Solutions
Traditional banks too slow or rigid? Divine Equity’s private lending offers asset-based financing for real estate investors, entrepreneurs, and businesses needing fast cash.
Unlock Capital with Private Lending Solutions
Traditional banks too slow or rigid? Divine Equity’s private lending offers asset-based financing for real estate investors, entrepreneurs, and businesses needing fast cash.
What is Private Lending?
Private lending (or hard money lending) uses collateral (e.g., property, equipment, inventory) to secure loans. Ideal for:
Private lending (or hard money lending) uses collateral (e.g., property, equipment, inventory) to secure loans. Ideal for:
Real Estate Investors: Fix & flip, rental properties, land deals.
Businesses: Bridge gaps in cash flow or urgent expansion.
Startups: Fund growth without traditional credit checks.
Benefits of Private Money Loans
✅ Same-Day Pre-Approval – No lengthy underwriting.
✅ Asset-Based Approval – Credit score not the primary factor.
✅ Funds in 3–5 Days – Faster than banks or SBA loans.
✅ Flexible Terms – 6–24 months, interest-only options.
Loan Types & Terms
Fix & Flip Loans
LTV: Up to 90% of purchase + rehab costs.
Rate: 8–12%
Bridge Loans
Term: 6–12 months.
Use: Cover gaps between property sales or refinancing.
Business Asset Loans
Collateral: Equipment, inventory, receivables.
Amount: 50–70% of asset value.
Requirements
Collateral Value: 1.25x loan amount (e.g., $250K asset for $200K loan).
Exit Strategy: Clear repayment plan (e.g., property sale, refinance).
Experience: For real estate, 1+ prior deals (waived with strong collateral).
What is Private Lending?
Private lending (or hard money lending) uses collateral (e.g., property, equipment, inventory) to secure loans. Ideal for:
Private lending (or hard money lending) uses collateral (e.g., property, equipment, inventory) to secure loans. Ideal for:
Real Estate Investors: Fix & flip, rental properties, land deals.
Businesses: Bridge gaps in cash flow or urgent expansion.
Startups: Fund growth without traditional credit checks.
Benefits of Private Money Loans
✅ Same-Day Pre-Approval – No lengthy underwriting.
✅ Asset-Based Approval – Credit score not the primary factor.
✅ Funds in 3–5 Days – Faster than banks or SBA loans.
✅ Flexible Terms – 6–24 months, interest-only options.
Loan Types & Terms
Fix & Flip Loans
LTV: Up to 90% of purchase + rehab costs.
Rate: 8–12%
Bridge Loans
Term: 6–12 months.
Use: Cover gaps between property sales or refinancing.
Business Asset Loans
Collateral: Equipment, inventory, receivables.
Amount: 50–70% of asset value.
Requirements
Collateral Value: 1.25x loan amount (e.g., $250K asset for $200K loan).
Exit Strategy: Clear repayment plan (e.g., property sale, refinance).
Experience: For real estate, 1+ prior deals (waived with strong collateral).
Frequently Asked Questions
We understand you might have some questions
How is private lending different from a bank loan?
Banks focus on credit scores; we focus on collateral value and exit plans.
What’s the minimum credit score?
None—but 600+ improves terms.
Can I refinance into a traditional loan later?
Yes! Many clients refinance after 6–12 months.
Related Services
Fix & Flip Loans
Short-term financing to purchase, renovate, and resell properties for profit.
Cash-Out Refinance
Tap into your property’s equity for cash while keeping your mortgage.
Divine Equity All Services
View All the services Divine Equity has to help you.
Why 500+ Clients Choose Divine Equity
Fast approvals
Flexible Funding solutions
Expert Guidance
High Approval Rates
Lets get started
1. Consult: Tell us your goals (business, property, or both)
2. Match: We align you with the right services.
3. Execute: Get funded, compliant, and operational.
© 2025 Divine Equity - All Rights Reserved,
© 2025 Divine Equity - All Rights Reserved,