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Private Money Lending
At IBC, we recognize that private money loans often require a specialized approach. That's why our private money lending process goes beyond the surface, crafting the ideal funding solution tailored to your unique requirements. Discover the strength of personalized financial support with IBC.
Private Money Lending & Commercial Bridge Loans
Unlock Your Financial Potential with IBC
A private money loan is usually a short-term loan used to purchase or refinance real estate. The loans are provided by private lenders, as opposed to traditional financial institutions such as banks or credit unions. Unlike these traditional players, private money lenders are far less burdened by red tape and regulations, which makes accessing finance quicker and more straightforward.
Why Choose a Private Money Loan
Versatile Financing
Private money loans are a flexible financial tool suitable for various purposes beyond real estate. Whether you're a seasoned investor or an individual with unique financial needs, our tailored solutions can help you achieve your goals.
Asset-Centric Lending
Unlike traditional lenders, we prioritize the underlying asset's value when considering loan eligibility. This means that your credit history takes a backseat, making it easier to secure financing for your specific needs.
Amplify Your Capital
Don't tie up all your funds in a single venture. With private money loans, you can leverage your capital to pursue multiple opportunities, creating diverse income streams and expanding your financial portfolio.
Rapid Access
Speed is our forte. Private money loans are known for their quick approvals, ensuring you can seize time-sensitive investment prospects and gain a competitive edge.
No Prepayment Penalties
Enjoy the flexibility of repaying your loan on your terms without any prepayment penalties. Pay it off as swiftly as you desire to regain financial freedom.
Inclusive Financing
Traditional lenders often impose stringent credit and income requirements. Our asset-based lending approach ensures accessibility even if your credit history is less than perfect.
Interest-Only Options
We offer flexible repayment plans, including the option for interest-only payments. This can be particularly advantageous if you plan to hold the loan for a brief period.
Commercial Bridge Loans
A commercial bridge loan is a type of short-term financing that’s used to fund an immediate opportunity, typically in real estate. Unlike other small business loans, commercial bridge loans are specifically used to “bridge the gap” between your current need for capital and a more long-term financing solution.
Uses for Commercial Bridge Loans
Take advantage of an immediate real estate opportunity
You can use funds from a bridge loan to purchase a property that has just gone on the market. Once you've secured the property, you can refinance your bridge loan with a more affordable, long-term commercial real estate loan.
Wait to qualify for permanent financing
If you're working on a real-estate project, but can't yet qualify for long-term financing, a bridge loan may be able to tide you over. You can use the capital from the bridge loan to continue your project while resolving any issues that are preventing you from accessing a long-term loan.
Make improvements to attract tenants
A bridge loan can help you quickly upgrade your commercial property, making it more attractive to potential tenants. These improvements can justify higher rental rates, appealing to businesses seeking premium spaces. With increased rental income, you strengthen your financial position, making it easier to secure long-term financing and attract higher-paying tenants.
Invest in a fix-and-flip project
Bridge loans can be used as fix-and-flip funding, which allows you to buy and renovate a property and resell it for profit. These loans can give you fast capital--and after the fix-and-flip project is completed, the money from the sale will allow you to repay the loan all at once, without having to worry about a long term.
Cover working capital needs
If your business has a big sale or an acquisition lined up but needs capital in the meantime, you might use a bridge loan to access cash. The money from the loan will help you cover your day-to-day operations, and then you'll be able to repay quickly when the sale or acquisition is finalized.
Why Get a Commercial Bridge Loan with IBC?
Unparalleled Expertise
Our experienced team will guide you through the loan-process, making it hassle-free.
Customized Solutions
IBC tailors loan options to match your specific financial needs and goals.
Proven Track Record
Join the countless satisfied borrowers who have successfully achieved their financial goals with IBC.
Transparent Communication
Open and transparent communication is at the core of our business. We keep you well-informed throughout the lending process, providing clarity and peace of mind.