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Bench Equity LLC

Bench Equity LLC is a private money lender based in Mesa, Arizona, serving real estate investors in Arizona, California, Texas, Utah, and Colorado. The company specializes in bridge financing for fix-and-flip, rental, and investment properties, emphasizing flat-rate pricing with no loan points.

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

Common Loan Scenarios
  • 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
Scenarios Not Considered
  • NO 100% Financing
  • NO Land Loans
  • NO Commercial Properties
  • NO Owner-Occupied Homes

Details and Requirements

Property Geographic Area Details

Select areas in AZ, CA, CO, UT... Arizona (Maricopa County), Southern California (LA, OC, San Diego, Inland Empire), Colorado (Denver metro, Fort Collins, Colorado Springs), Utah (Salt Lake City metro, Ogden, St. George).

Loan Amounts

$50,000 to $10,000,000

Interest Rates

10.5% to 12.5%

Loan Terms

6 to 11 months

Lien Position

1st

Credit Check Required

yes

Credit Check Details

All loans require a soft credit pull to be performed with hard pulls occasionally being required to further investigate significant negative items on the soft pull.

Minimum Credit Score Required

600

Prepayment Penalty

no

Typical Closing Time (Days)

4

Fastest Closing Time (Days)

2

Payment Structure
  • Interest Only
Personal Guaranty (Recourse) Required
Never
Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Loan Application
Appraisal Required for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Will Consider Collateralizing Multiple Properties in One Loan

no

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Equity Joint Venture

no

Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Use Equity to Invest in Another Property
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Last updated: July 30, 2026

Bench Equity LLC’s Lending Activity
Data Provided By Elementix
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12mo Loan Volume

$263,208,407

12mo Loan Count

426

Total Loan Volume

$1,981,452,190

Average Loan Size

$375,631

Loan Count by State (Past 12 Months)
CA: 121, AZ: 239, TX: 34, UT: 19, FL: 10, CO: 3
Data provided by Elementix | Disclaimer

Company Quick Facts

  • Year Established: 2011
  • Headquarters: Mesa, Arizona
  • Company Type: Private money lender
  • Capital Model: Direct private lender
  • Primary Loan Types: Fix & Flip Loans, Bridge Loans, Rental Property Loans
  • Property Types: Single-family homes, investment residential properties
  • Primary Customers: Real estate investors
  • Geographic Focus: Arizona, California, Texas, Utah, and Colorado
  • Funding Volume: More than $1 billion in loans funded
  • Pricing Approach: Flat-rate pricing with no loan points
  • Application Process: Online loan application with initial terms typically provided within 24 hours
  • Company Size: Approximately 2–10 employees

Licensing: AZ MB#0922264 | CA CFL#60DB036748 | CO MLO.100524483 | UT 9677685-NMLC | NMLS #456027

Office Locations

1223 S. Clearview Ave, Suite 103, Mesa, Arizona 85209

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Info Our minimum loan amount is $50,000

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