Equity Lending Inc

Equity Lending Inc, based in Gaithersburg, MD, offers private lending solutions for real estate investors in the DMV area. With nearly 75 years of experience, they provide flexible financing, fast closings, and expert guidance throughout the loan and construction process, funding projects from $100K to $5M.

Direct Lender for DMV Real Estate Investors

SPEED: We will give you an answer within 24 hours, and will perform a property inspection immediately. We can close within a week and have closed in as little as 2 days when the situation demanded high velocity.

EXPERIENCE: We have almost 75 years of Private Lending experience among the owners at Equity Lending, Inc. We have deep experience and knowledge of the DMV market as both Lenders and Development oriented principals.

FLEXIBILITY: We have seen every scenario. We can fund as little as $100K or as much as $5M.

LOW DEFAULT RATE: We have less than a 1% default rate. We don’t fund if there is any significant chance of a default.

GUIDANCE: Let our experience help you make your deal a success. We will guide you through your transaction. As you move through the construction process, our experienced principals will provide advice. Most lenders only advise you through closing – we will guide you until payoff.

RED TAPE: We’ve seen most real estate scenarios many times. When necessary, we can recommend specialists who can help you get your deal closed. We will help you navigate some of the obstructions that can kill a profitable transaction.

BROKERS PROTECTED: We protect our brokers and appreciate their service.

Details and Requirements

Property Geographic Area Details

DMV Metro Area and Delaware. Will consider all states.

Loan Amounts

$100,000 to $5,000,000

Interest Rates

10% to 16%

Origination Fees

3% to 6%

Loan Terms

6 to 18 months

Lien Position

1st

Credit Check Required

Prepayment Penalty

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only
Interest Reserve

Personal Guaranty (Recourse) Required

Always

Borrower Entity Types Considered

Individual(s)
LLC
Corporation
Self-Directed IRA

Documentation Required

Loan Application

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

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

Will Consider Equity Joint Venture

Collateral Types

Residential Property
Commercial Property
Commercial Property Ground Lease

Loan Purpose

Investment Acquisition
Investment Refinance
Improve Subject Property
Value Add Project
Development Project

Property Occupancy

Vacant
Tenant Occupied 100%

Additional Details

There is never a fee charged prior to us approving your deal and issuing a loan commitment. All fees are paid to outside counsel or deferred until closing.

Equity Lending Inc’s Lending Activity

Data Provided By Elementix

12mo Loan Volume

$8,519,000

12mo Loan Count

Total Loan Volume

$94,179,280

Average Loan Size

$147,616

Loan Count by State (Past 12 Months)

MD: 55, DC: 1

Data provided by

| Disclaimer

Equity Lending Inc is one of the longest standing Hard Money Lenders in the DC area. We have crafted hundreds of loans in D.C, MD, VA, DE, NY, NC, and many other states, although 90% of our deals are in the DMV area.

Coming from many years of experience in D.C Real Estate Developerment, Equity Lending Inc has a deep understanding of the market, development, and construction. We are also able to share our contacts in and around the DC area. What sets us apart from other Lenders is that we will guide you through the loan process, and continue to offer assistance through construction, condo conversion, leasing, and sales. We share a common goal: the success of your project.

We are a small business with only a few employees so you will always speak directly to us. We are easy to reach, and have one employee who handles property inspections which allows for quick closing.

Having been central to hundreds of DMV real estate deals over the last 30+ years, we have the knowledge to craft a deal that will benefit all. We are not afraid of unique situations or unconventional deals including land and subdivisions.

Office Locations

PO Box 4208, Gaithersburg, MD 20885

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