Private Money Loans
Piccard Financial arranges private money and alternative credit for acquisition, refinance, cash-out, land, maturity payoff, rescue capital, higher-leverage requests, and special situations where conventional lenders may not be the right fit.
Capital Parameters
Private money is not one program. Depending on the asset, leverage request, business plan, and exit, the lender audience may include lower-leverage balance sheet lenders, higher-leverage private credit funds, land lenders, bridge lenders, family offices, and special-situation capital providers.
Private Capital Coverage
Multiple lender programs depending on leverage, asset type, location, and urgency.
Pricing
7.90% to 11%+
Leverage
Up to 75%+ LTV
Term
6, 12, 18 or 24 Mo.
Loan Size
$1MM–$200MM
Overview
Private money loans are typically used when a conventional bank, agency, CMBS, or life company loan cannot meet the sponsor's timeline, collateral profile, documentation posture, proceeds requirement, or requested structure.
These loans are often interest-only, short-term, asset-focused, and designed to bridge a borrower through acquisition, refinance, cash-out, land carry, recapitalization, maturity pressure, entitlement, lease-up, sale, or a more permanent takeout.
Piccard Financial positions each private money request around the asset, proceeds use, exit strategy, sponsor profile, collateral basis, and closing urgency, then matches the opportunity with the correct lender audience, including private lenders, debt funds, family offices, land lenders, and institutional private credit sources capable of executing.
Common Use Cases
The best private money execution is not simply the lowest rate. It is the structure that solves the immediate need, fits the collateral, and preserves a realistic exit.
Acquisition
Acquisition financing when the borrower needs certainty of execution, short diligence, or a lender that can move faster than a conventional bank process.
Refinance
Bridge capital to retire an upcoming loan maturity, avoid default pressure, or create time for lease-up, sale, bank refinancing, or sponsor recapitalization.
Liquidity
Private money cash-out solutions for business plans requiring liquidity, partner buyouts, reserves, soft costs, tenant improvements, or working capital.
Complex Assets
Financing for assets with vacancy, transitional income, pending leases, unusual collateral, limited trailing cash flow, or situations that require asset-based underwriting.
Bridge to Exit
Short-term loans designed around a defined sale, refinance, entitlement event, construction loan, permanent takeout, or other near-term capital event.
Land
Private capital for land acquisition, refinance, entitlement carry, soft costs, pre-development, and projects that need time before construction or sale.
Larger Requests
For larger transactions, Piccard can access deeper private credit and debt fund relationships capable of evaluating substantially larger check sizes.
Indicative Terms
The private capital market is broad. The ranges below are intended to show the spectrum of available executions, from lower-leverage private money to higher-leverage, land, and special-situation capital. Final terms are subject to underwriting and lender approval.
Interest Rate
Market Driven
Loan Amount
$1MM–$200MM
Higher Leverage
Up to 75%+ LTV
Typical LTV
50%–75%+
Loan Duration
Short-Term
Collateral
CRE, Land & Special Use
Origination
0.25–2.00+ Points
Prepayment
Flexible Options
Execution Process
We underwrite the immediate problem, then work backward from the exit so the private money loan does not create the next problem.
We determine whether the financing need is driven by acquisition timing, maturity, cash-out, carry costs, repositioning, documentation, or a pending exit.
We review asset type, location, value, current income, occupancy, business plan, title, existing debt, and the realistic takeout path.
We evaluate LTV, payoff, reserves, closing costs, requested cash-out, fees, and the proceeds level a private lender can support.
We match the transaction to private lenders, debt funds, family offices, or institutional private credit sources based on speed, size, collateral, and structure.
We compare pricing, points, processing fees, term, recourse, prepayment flexibility, reserves, extension options, and closing conditions.
We help coordinate diligence, documentation, title, payoff, funding, and the next-step strategy, whether that is sale, refinance, stabilization, or permanent capital.
Relevant Transaction
$7.50MM
Bridge financing arranged for a hospitality property in Venice, California, structured around a debt fund execution where flexibility, proceeds, and timing were central to the capital strategy.
Submit a Private Money Deal
We will review the opportunity and respond with preliminary private capital direction, likely lender audience, leverage range, pricing expectations, structure, and next steps.
Submit a Deal