Benefits of Funding with Equity Lending Inc.

SPEED: We will give you an answer within 24 hours, and will perform a property inspection immediately. We can close within 5-10 days.

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 the loan 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 to 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.


 We protect our brokers!

Property Geographic Area Details
DMV Metro Area and Delaware
Loan Amounts
$100,000 to $5,000,000
Interest Rates
10% to 16%
Loan Terms
6 months to 18 months
Origination Fees
3% to 6%
Lien Position
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%

Property Types

  • 2-4 Units Residential
  • Condominium
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Parking Lot
  • Portfolio of Commercial Properties
  • Residential Land
  • Retail
  • Single Family Residence
  • Vehicle Parking

Loan Types

  • Private Money
  • Hard Money
  • Residential Fix and Flip
  • Residential Rehab and Rent

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Agricultural Land
  • Special Purpose Land

Will Consider Land That is NOT Entitled


Existing Land Improvements Required

  • Street Access
  • Electricity
  • Water
  • Commercial Structure

Max LTV for Land


Max LTC for Land Acquisition


Max Loan-to-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Equity in Another Investment Property
  • Equity in Primary Residence

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Deposit Required

Your deposit secures your loan and gets the ball rolling on the transaction. Deposit is sent to a trusted group of Lawyers we use for every closing who are incredibly skilled and diligent in processing your deal. Deposit is returned if loan does not close.

Inspection Fee

$300- $500 Inspection Fee depending on location of property.

Fees which are mandatory for all new borrower clients

  • Deposit
  • Underwriting Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Interest Only
  • Interest Reserve
Pre Payment Penalty


Will lend to a foreign national


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


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Corporation
  • Self-Directed IRA
Documentation Required
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Appraisal Required for Residential Property

Always Before Funding

Appraisal Required for Commercial Property

Always After Funding

Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property


Additional Details

You will pay a $1500 deposit upfront that gets the ball rolling on your loan. Additional fees (underwriting & inspection) are paid out of closing, and usually average about $875. No hidden fees or unnecessary charges. We follow a standard practice for every loan, and returning customer see lower fees for their recurring transactions.

Funded Deals

Get In Touch

Equity Lending Inc. pays us to be listed, so there is no fee to connect with them directly. Share your loan request, send a simple email, call, or visit their website.

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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,  although 90% of our deals are in the DMV area.

Coming from many years of experience as D.C Real Estate Developers, Equity Lending Inc has a deep understanding of the market, and has many contacts in and around the DC area. What sets us apart from other Lenders is that we will guide you through the entire closing process, and continue to offer assistance through construction. Our deep understanding of D.C and the Real Estate Market will ensure that your project is successful.

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!


Year Established


Office Locations

Gaithersburg, MD 20885

Primary Capital Source
  • Own Funds
Alternative Capital Sources
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
  • One Investor One Loan
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Get In Touch

Equity Lending Inc. pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Contact This Lender

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Contact Equity Lending Inc. 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


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