Private Money Financing Solutions
Engaging with a private money lender is an agile form of financing compared to a conventional banking institution. Unlike traditional financing, private capital allows for a tailored loan solution matching your unique needs and the complexities of the situation.
IQ Credit has deep experience with various property types and transaction requirements, which sets the tone for a long-standing collaborative lending relationship.
As a fund manager and portfolio lender using our own capital rather than external sources of funding, IQ Credit aims to deliver real estate financing with flexible portfolio bridge loans from $1 million to $10 million nationwide.
Property Specialities
Commercial
✔ Warehouse/Industrial
✔ Self-Storage
✔ Mixed-Use
Hospitality
✔ Hotels
Income-centric Residential Real Estate
✔ Student Housing
✔ Apartments / Multi-Family
Transaction Types
The Advantages of Private Money Lending with IQ Credit
✓ Asset-Focused Lending
At IQ Credit, we take a unique approach to lending by focusing on the value and future potential of your real estate assets. Our tailored strategies are designed to help you unlock the maximum financial potential of your collateral, ensuring capital works for you.
✓ Fast Funding Decisions
Say goodbye to the delays and hurdles of traditional lenders. Our efficient, no-red-tape process ensures quick decisions and faster access to the funds you need, so you can move forward with confidence.
✓ Adaptable Loan Structures
We understand that every borrower’s needs are different. Unlike rigid conventional lenders, our lending platform is built on flexibility, offering customized terms to fit your unique financial situation and goals.
✓ Comprehensive Lending Options
Whether you're acquiring new properties, refinancing existing ones, or seeking capital for apartment buildings or warehouses, our private lending solutions cater to a wide range of real estate financing needs.
✓ Client-Centered Solutions
We prioritize building strong, lasting relationships through trust and transparency. With personalized attention and tailored financial strategies, our team partners with you to deliver solutions that meet your needs while fostering a foundation for long-term success.
Financing Structures
✓ Senior Secured Debt
This facility is secured by a first-priority claim on the underlying real estate assets. Subordinate claims or encumbrances may be permitted but require pre-approval from IQ Credit.
✓ Subordinated Secured Debt
This facility holds a second-priority claim on the real estate collateral, ranking behind an approved senior secured facility.
✓ Structured Subordinate Financing
This is a subordinated capital solution designed to enhance overall leverage in a real estate transaction. Unlike traditional secured loans, this financing is collateralized by a pledge of equity interests in the entity owning the real estate, rather than by the real estate itself.
✓ Hybrid Equity-Linked Debt
This facility combines elements of debt and equity, offering a fixed repayment structure with additional upside tied to the performance of the underlying asset. While typically subordinate to senior-secured debt, it retains a higher repayment priority than equity.
Frequently Asked Questions
What is private capital?
Private capital refers to funding provided by individuals or private entities, rather than conventional institutions like banks or credit unions. For developers and investors, it’s often a crucial tool to unlock profits quickly.
Why partner with a private capital provider?
Speed, agility, and customization are the hallmarks of private capital. Unlike traditional lenders, private capital providers streamline the funding process to help you close deals faster, reducing downtime and maximizing returns. When time-sensitive opportunities arise, private capital ensures you can act decisively and profitably.
How does private capital work?
The process starts when a borrower approaches a private capital provider like IQ Credit. The provider evaluates the borrower’s proposal, assesses potential risks and rewards, and defines loan parameters. If the terms align with both parties’ objectives, the deal moves swiftly through underwriting and closes—allowing the borrower to focus on scaling their project or capturing profit.
What’s the difference between hard money and private capital?
While often used interchangeably, “hard money” typically refers to loans secured against distressed assets or time-sensitive opportunities, often at higher costs due to elevated risk. Private capital, on the other hand, evaluates broader components, such as the borrower’s financial strength and the asset's profitability potential. Both can be more expensive than traditional financing, but private capital is usually more adaptable and designed for speed—giving financial engineers the edge in pursuing high-yield opportunities.
Is private capital equivalent to cash?
Not exactly. Private capital refers to funding sources outside traditional banks or financial institutions. While it operates with cash-like agility in terms of deployment, it’s structured to leverage profitability through tailored terms and faster liquidity.
Is private capital a smart move for developers?
Absolutely. Private capital empowers developers and investors to scale projects, seize opportunities, and optimize profits with minimal delays. Its flexibility and efficiency often outweigh the higher costs, making it an essential tool for those focused on maximizing returns.
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