Frequently Asked Questions

Private money lending involves individuals or private entities lending money to borrowers, often for real estate or business purposes, outside of the traditional banking institutions. 

We originate loans to our Borrowers from the Fund.  We are taking debt positions on real property. 

Income: An individual with annual income over $200,000 ($300,000 with a spouse) for the past two years and expects the same or higher this year.

Net Worth: An individual or couple with a net worth above $1 million, excluding their primary residence.

Professional Experience: Individuals with specific SEC-approved certifications or licenses, such as Series 7, Series 65, or Series 82.

For initial investments, the minimum required amount is $50,000. For any additional investments after the initial, the minimum is $25,000. 

There are no management fees for investors. 

Yes! We can get you in touch with companies to guide you through the simple process. You can either transfer/rollover part or all of your IRA (Traditional, Roth, SEP) or qualifying 401k to a Self Directed IRA. 

A 1st position lien gives the lender priority claim over a property, meaning they get paid first from the proceeds of a sale or foreclosure before any other creditors. This primary status makes it a less risky investment for the lender, ensuring they're more likely to recover their funds if the borrower defaults. ProLend Capital will only make loans in 1st position. 

In this unlikely case, we would proceed with foreclosure, and the house will be sold at auction. We are always in first position lien status which ensures we are at first in line for repayment. Plus, our strategy of maintaining a 70% LTV means we always have a comfortable 30% equity buffer.

Upon requesting a withdrawal of your funds, we have a period of 90 days to process the return of your investment.

There is a 90-day lockup period initially, followed by a 90-day window for us to process your fund withdrawal upon request. Therefore, anticipate having your investment in the fund for at least 180 days.

We offer these short term loans to real estate investors for fix and flip projects, rehabs and transactional funding. The majority of the loans are for single family fix and flip projects. 

As Private money lenders we offer significant advantages for real estate investors, including faster loan processing for time-sensitive deals, more flexible terms to suit project needs, and easier approval focusing on property value. We are also more open to funding rehab projects and providing short-term financing ideal for fix and flip ventures, bypassing longer processes associated with traditional banks.