Direct Private Money Lender for RESIDENTIAL Investment Properties
Bench Equity is a true private money lender that wants to partner with you on your residential investment property deals. Our access to extensive private capital sources allows us to offer the same great rates no matter what the market or the federal reserve decides to do. Our goal is to help you get in and out of deals with as little red tape as possible. Our no points options, no prepayment penalty, and no bank statement loan programs give you the flexibility you need to maneuver in a changing market. Apply in 5 minutes, get approval in less than 24 hours, and get funded in 3-5 business days!
- Residential Investment Properties Only (1-4 units)
- Purchase Bridge Loans, Fix & Flip Projects
- Zero Points – no origination fee
- Higher leverage than most other lenders
- Loan-to-purchase price typically 75-80% for most loans and may go up to 85%
- Appraisals hardly every required
- All Loans are Non-Recourse
- Personal guarantee not required
- Asset-Based Lender
- No bank statements or tax returns
- We check credit but it’s not a deciding factor
- Balance Sheet Portfolio Lender
- We don’t sell our loans
Please note: We do not offer loans for land, commercial properties, or owner-occupied homes
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Residential Rehab & Hold
Residential Construction
Property Types
- 2-4 Units Residential
- Condominium
- Cooperative
- Manufactured Home
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
Max Loan-to-Purchase Price
85%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Family
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
10Maximum After Repair Value
70%Documents Fee
$500 for loan docs in AZ, CO, UT. In California, the docs fee is the greater of 0.25% of the loan amount or $1,000.
Extension Fee
Same as original Document Fee when the loan originally funded.
Exit Fee
$200 Payoff fee due when the loan pays off. $50 for each additional payoff statement requested after the first has been provided.
Fees which are mandatory for all new borrower clients
- Documents Fee
- Exit Fee
- Extension Fee
Fees which are paid to a third party company
- Appraisal Fee
Bench Equity LLC Testimonials
Could not speak more highly of my experience
Ben R.
"Could not speak more highly of my experience with Bench Equity. They were able to give me terms within a day and close on my property in less than a week. Their staff was extremely transparent and provided an incredibly high level of customer service."
Dallas, TX
They always respond quickly with the information I need
Tomeika W.
"Bench Equity is awesome! They always respond quickly with the information I need. I appreciate their professionalism and hard work on every file we have worked on together!"
Dallas, TX
Quick & simple!
Patty S.
"A different lender changed the loan terms on me the day before closing, so I turned to Bench and they were able to push it through quick & simple! The team was great to work with and very responsive!"
Dallas, TX
I am a Dallas investor and it's been amazing working with Bench
Jubin R.
"I am a Dallas Investor and it’s been amazing working with Bench. The transaction was smooth, and their team was always responsive and fast. Their rates are very competitive, and I look forward to doing more deals with them!"
Euless, TX
Contact Bench Equity LLC
Stay Informed About Private Lending
For over 12 years, Bench Equity has helped thousands of real estate investors buy, build, and rehab the communities of Arizona, California, Colorado, Texas, and Utah. Our dedication to maintaining a robust, private capital infrastructure allows us to offer the same great rates to the investors who partner with us no matter what Wall Street or the Fed decides to do. Combining this with our no points and no prepayment penalty loan terms gives you total control of your loan.
After funding over $1.3 billion and 5000+ loans, we know what it takes to propel your real estate investment business forward. Complete our 5 minute online application now and get approved in under 24 hours!
Office Locations
1223 S. Clearview Ave, Suite 103, Mesa, Arizona 85209Contact Bench Equity LLC
Stay Informed About Private Lending
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Contact Bench Equity LLC by whichever method you choose.
If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.
Our Minimum Loan Amount Is
$50,000
What We Do
- SFR Purchase Bridge Loans up to 85% LTP
- SFR Rehab & Construction up to 100% LTC
- Zero Points - no origination fee
- In-House Valuation for most loans
Not Available
- NO 100% Financing
- NO Land Loans
- NO Commercial Properties
- NO Owner-Occupied Homes