Private Money Lenders

Business Loans

Line of credit

Business / Personal Real Estate Mortgages

Fast, Honest, Simple Lending
for Real Estate Investors​

Flex Financial Co. specializes in providing fast, honest, and simple lending solutions for real estate investors. We offer a range of private lending services including private money loans, business loans, and real estate mortgages for both personal and business purposes.
Fast Approval
We can accommodate low credit, self-employment, corporation/LLC loans, and more.​
Fast Turnaround
After a simple application process, loan decisions are made quickly. Closing time is within 5 – 14 days.
Flexible Terms
Loans up to $40 Million, Loan-to-Values up to 80%, and flexible repayments terms from 1 to 10 years.
Competitive Rates
Exact rates vary based on market conditions, but we work hard to ensure loan interest is fair and equitable.

Real Estate Mortgages - Business

Honest, Transparent, & Straightforward Lending Services

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What clients say about us

Mitch, Real Estate Investor
Seven consulting - CEO
I invest in single family homes (both long term hold and quick sale). Being able to have certainty in access to capital and a quick close helps to make me a stronger buyer. Thanks Flex Financial for being part of my solution.
Nicholas, Real estate investor
Seven Consulting - CEO
“Flex Financial has been a game-changer for my real estate investments. As an independent investor, I’ve struggled to secure funding through traditional lenders due to their rigid requirements. Flex Financial stepped in and provided a fast, hassle-free solution that allowed me to close on a prime property within weeks. Their team is knowledgeable, responsive, and truly understands the needs of investors like myself.”
Richard, Mortgage Broker
Seven Media - creative director
“As a mortgage broker, I often work with clients who don’t fit the conventional mold. Flex Financial has become my go-to funding source for these clients. Whether it’s a complex trust situation or a foreign national with limited U.S. credit history, Flex Financial consistently delivers. Their flexibility and efficiency make them an invaluable partner in my business.”
Diana, Managing Partner, Real Estate Development LLC
Seven Arts - marketing manager
“Flex Financial made it possible for our LLC to secure funding for a major development project that traditional lenders wouldn’t touch. Their process was straightforward, and their team was always available to answer our questions. We look forward to continuing our partnership with them on future projects.”

Have Any Questions?

Wondering how this whole process works? Here are straight forward answers to the most common questions on private lending.

Hard money lenders differ from bank lenders in that they often fund more quickly, with fewer requirements and have funds from individual investors versus deposits on hand. Hard money lenders are sometimes called “asset-based lenders” because they focus mostly on the collateral for the loan; banks require both strong collateral and usually excellent credit and cash flow from the borrower.

Hard money lenders are willing to foreclose on and “take back” the underlying property if necessary, to satisfy the loan. Bank lenders typically look at the borrower to be able to pay back the underlying loan from the borrower’s income, whereas hard money lenders are comfortable looking to a sale or refinance of the property as the method of repayment.

 

The difference between a First and Second Trust Deed is the priority of the lean based upon the date that the Trust Deed is recorded. The earliest recording date has priority (i.e. First Position). A second trust deed has the increased risk of being ‘wiped out’ if the First were to foreclose prior to the second doing so. The First is required to notify the Second of the foreclosure process by a Notice of Default. If the borrower were to stop making payments to the First, the lender would have the right to foreclose even if the lender of the Second has been receiving their regular payments.

Typically, if the borrower was not making payments on the First, the lenders of the Second would strategically reinstate the First to keep it current and avoid being wiped out completely by the First foreclosing.

The rates for a First Trust deed average 7-10% versus 11-13%+ for Seconds.

 

Hard money lenders exist because many real estate investors need a quick response and quick funding to secure a deal when looking for a real estate loan. Banks and other institutional lenders that offer the lowest interest rates don’t provide the same combination of speed and transparency. With speed comes opportunity for both the borrower and the lender.

 

Hard money loans can have several advantages over traditional bank financing including:

  • A simpler application process and quicker approval/disapproval decision;
  • Less scrutiny of the borrower’s personal financial situation, including income, employment status and historical tax returns, as compared to bank loans;
  • Borrowers can allocate less time to seeking financing and instead concentrate on other business;
  • Borrowers can avoid the risk of being rejected by a bank;
  • Most hard money lenders do not expect perfect credit and substantial amounts of disposable income from borrowers, but instead focus on the merits of the specific asset under consideration;
  • Self-employment is not seen as unacceptable to private lenders, whereas many banks view self-employment negatively and strongly prefer lending to professionals with very steady income.