Direct Private Money from Private Lenders
We bridge the gap when conventional lenders say no, with first-position and second-position private money solutions that help you close quickly and profitably.
Why Choose Us?
Speed and flexibility. We deliver fast closings and creative funding solutions that traditional banks can’t, so borrowers can seize profitable deals without red tape.
Fast Funding
Our streamlined underwriting process ensures fast, efficient service, helping you close your deals with lightning speed, usually from 7 to 21-days!
Creative Deals
We love funding creatively financed deals! Gap funding for mortgage arrears, down payments, or repairs. We happily lend in second-position.
Flexibility
Loan approvals are based upon experience level and property values, empowering investors with less than perfect credit history.
Who We Are
We Are Not Your Typical Private Money Lender
We’re a new kind of fund built by real estate investors, for real estate investors. No rigid bank rules, no wasted time. Just direct, private capital delivered fast, with flexible terms that make sense for your deal.
Our reputation comes from doing what we promise: quick approvals, smooth closings, and creative solutions that help you lock in opportunities and protect your profits. Many of our loans close in days, not weeks, so you can focus on your next big win.
When you work with us, you get more than money. You get a partner who knows what it takes to get deals across the finish line.
Tailored Borrowing Solutions
Lending You Can Rely On
20+
Years Experience
Easy Approval Process
At the Creative RE Capital Fund, we’ve built a streamlined, transparent approval process that keeps your focus where it belongs ---> ON THE DEAL. Whether you’re rehabbing, renting, or wholesaling, our team knows what it takes to move fast. We’re here to help you close with confidence, backed by real-world experience and flexible private money in 1st or 2nd lien position.
01
Borrower Approval
Click the "Apply" button
Complete Borrower Application
Submit Application and all supporting docs
We send proof of funds to you
Get approved within 2 business days
Approval lasts 6 months
02
Property Approval
Get property under contract
Submit property information
Send property photos
Send comps (appraisal may be required)
Submit project budget
Desktop approvals
03
Fund and Close
Review final numbers
Wire funds to your title company
Execute legal docs
Obtain lender's title policy
Acquire property hazard insurance
Collect any additional required docs
Congrats! You are closed.
High LTV Ratios
We lend up to 75% Loan-to-value and 85% CLTV on creative finance deals.
100% Funded
Get financed for up to 100% of purchase price and/or repairs.
Close Fast
Get your deal funded and closed in as little as 7 days.
Loan Frequently Asked Questions
What kinds of loans does the Creative RE Capital Fund offer?
Creative RE Capital offers short-term, asset-backed private money loans. First-position loans for fix-and-flip, value-add, or transitional real estate projects. Second-position loans to complement seller-financed or creative deal structures. Our private money loans are designed for experienced rehabbers, landlords, and wholesalers.
How long are your loan terms?
Our standard term is 6 months for first-position loans. Second-position loans generally range from 3–9 months, with extensions available for both first and second position loans (not to exceed 12 months total). Our flexible structures help to match your project’s timeline.
What loan amounts can I qualify for?
First-position loans: $50,000 minimum up to $1,000,000 depending on deal specifics.
Second-position loans: As low as $10,000 up to $500,000 for gap funding or creative financing.
Final amounts are based on property value, exit strategy, and borrower experience.
What are your rates and fees?
Competitive rates: 10–18% annualized (1–1.5% monthly). Origination fees: 2–3 points, with a minimum fee (e.g., $1,500).
No prepayment penalty — close out early and keep more profit.
*Loan terms are largely based upon investor experience.
What kinds of properties do you lend on?
1–4 family homes, condos, townhomes. Small-to-mid-size multifamily. Light commercial properties with a clear exit strategy.
Properties must have hazard insurance with Creative RE Capital Fund LLC as loss payee.
How long does it take to close?
Funding can happen as fast as 7–15 days after your application is complete. Timelines depend on how quickly you provide required documents, inspections, and appraisals (if needed).
How does your approval process work?
Common-sense underwriting based on the asset and borrower experience. Conservative LTV: up to 70–75% ARV for first liens; combined up to ~85% CLTV for seconds. Clear draw schedules for renovations and strong due diligence on every deal.
Your trusted partner in financial growth and real estate investment success, committed to securing your financial future.
