Private Loans

Private loans are asset-based and allow businesses to leverage the value of their assets to secure funding quickly, without the hassle that often comes with traditional bank loans. These loans are short-term, which gives borrowers the opportunity to be free of the debt in just a few years. They’re ideal for “fix and flip” and income-generating property investing.

Flexible Financing

Overview

Private asset-based loans are a way that businesses can cash in on their long-term investment equity without selling what they already have. They’re often used to secure funding for commercial real estate investing that requires making a cash offer to seal the deal. Private loans can be based on the after repair value (ARV) of a property to generate additional working capital for improvements before resale of the property.

INCOME-GENERATION

Investors who expect to see profit generated from a new commercial real estate purchase typically don’t want long-term funding. That’s because they can repay the loan as soon as the property becomes profitable. With a traditional mortgage, early repayment can incur penalties and extra fees. Speak to a broker about private loans for your next income-generating investment.

EQUIPMENT

Next to real estate, equipment can be your business’s highest expense. Private loans break down the cost over time so that even borrowers with bad credit can afford the machines and tech they need. The value of the equipment or other assets can be used to secure the loan without having to qualify for credit-based lending.

FIX & FLIP

Depending on the market, the rehab and resell business can be highly competitive. Buyers with a cash offer skip to the front of the line when it comes to getting a seller’s attention. Private loans can be approved within 24 hours, so you have the cash you need to secure the right properties at the right time.

STARTUPS

Startup businesses often have trouble securing traditional financing, simply because they haven’t been in business long enough. Private loans enable startups to get funding for real estate, equipment, technology, and working capital in a fraction of the time. As long as the startup has valuable assets to secure the loan, it’s easy to get approved.

Unique Features of Private Loans

Loan Highlights

Private loans offer businesses customized solutions with more flexible terms and faster approvals compared to traditional lenders.

Loans come from private lenders

Loans are based on asset values

Loans are short-term

Loans can be used for most business expenses

Your Path to Funding

THREE STEPS TO FUNDING

APPLY ONLINE

Your information helps us to begin loan matching.

SOURCING

We source options for your deal, keeping you informed at all times.

CLOSE AND FUND

We support your deal through the closing and remain in touch after.

Where the journey for funding begins.

Today's financing market is complex. Equity Ridge provides the pathway to funding.

LENDERS IN OUR NETWORK

IN AVAILABLE FUNDS

FASTEST CLOSE

Benefits

Private loans provide quicker access to funds and greater flexibility in repayment terms.

These loans are ideal for businesses with unconventional financing needs or those seeking less stringent qualification criteria.

Flexible terms

Asset-based, not credit-based

Fast approval and closing

Interest-only payments

Key Considerations

Challenges

Private loans often come with higher interest rates and may have shorter repayment periods, making it essential to assess long-term affordability.

Higher interest rates

Requires a balloon principal payment

Must have assets to qualify

Lenders can seize assets for non-payment

Equity Ridge

BEGIN YOUR FUNDING JOURNEY NOW