New Jersey Private Money Lenders

Seeking a private money loan secured by real estate in New Jersey? On this page you'll find a list of direct private money lending companies that offer fast funding for a New Jersey property purchase, refinance, or equity cash out in 1st lien position. Private money loans are for short-term (3-24 months) and primarily qualify based on equity in the subject property, at least 30% for most lenders. Scroll below the lender list.
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Unitas Funding LLC

Direct Lending for Residential Property Investors - Bridge, Rehab, Construction

$100,000 - $3,500,000
6 to 24 months
7.99% - 12.00%
1.00% - 3.00%
Rehab Financial Group

100% Financing for Rehab, Flip and Construction Projects - NO DOWN PAYMENT! NO INCOME VERIFICATION!

$100,000 - $1,250,000
9 to 12 months
11.25% - 12.75%
2.00% - 3.00%
New Silver

Financing Outside The Box

$100,000 - $5,000,000
12 to 360 months
9.50% - 11.50%
1.00% - 2.00%
Center Street Lending

Smarter Loans for Residential Investors

$150,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
Crosby Capital USA

Fast Bridge Loans for Multifamily and Residential Investment Properties

$200,000 - $50,000,000
2 to 12 months
11.00% - 14.00%
1.00% - 3.00%
Stormfield Capital, LLC

Direct Balance-Sheet Lender for Investment Properties

$250,000 - $10,000,000
6 to 36 months
8.50% - 11.99%
0 - 2.00%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
6.25% - 12.10%
0.25% - 2.50%
RBI Private Lending

Direct lender for Bridge Laons, Fix and Flip and Construction. Foreign nationals and new investors welcome.

$75,000 - $5,000,000
3 to 24 months
9.00% - 12.00%
1.00% - 2.00%
Pepe/Berard Capital, LLC

Direct lending for Northeast real estate investors | No mimimum credit score

$250,000 - $5,000,000
6 to 36 months
9.00% - 12.00%
2.00% - 4.00%
IceCap Group

Flexible & Friendly Funding for Property Investors Across the Country

$50,000 - $10,000,000
12 to 18 months
7.00% - 12.50%
1.00% - 4.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
Dunmor

Do More With Dunmor

$100,000 - $15,000,000
6 to 24 months
6.75% - 12.00%
1.00% - 2.00%
LendingOne

Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide

$70,000 - $50,000,000
9 to 360 months
0.75% - 1.99%
Certain Lending

The Mortgage Company Built for Real Estate Investors

$100,000 - $4,000,000
6 to 360 months
6.25% - 11.75%
0 - 3.00%
Yieldi

Direct, Reliable Lender for Investment Properties

$500,000 - $25,000,000
6 to 24 months
10.00% - 14.00%
1.00% - 4.00%
Residential Capital Partners

100% Financing for Residential Rehab Projects (NO Money Down)

$75,000 - $1,250,000
1 to 9 months
10.00% - 11.90%
2.00% - 3.00%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
Gelt Financial, LLC

Creative Private Financing for Commercial Real Estate since 1989

$50,000 - $3,000,000
12 to 60 months
11.00% - 14.00%
1.00% - 3.00%
i Fund Cities

Great F#*%ing Loans, Built By Investors For Investors

$75,000 - $15,000,000
6 to 360 months
9.50% - 12.00%
1.00% - 3.00%
Kiavi

Servicing 18,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
6.62% - 12.45%
We Lend LLC

Nationwide Private Lending

$150,000 - $15,000,000
6 to 18 months
10.75% - 12.00%
1.50% - 2.00%
HouseMax Funding

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%
Cardinal Capital Group

New England Direct Private Money Lender

$250,000 - $20,000,000
12 to 360 months
7.00% - 12.00%
1.00% - 3.00%

New Jersey Private Money Interest Rates

lightning docs logo

According to the private money loan documents software company, Lightning Docs, the average interest rate for New Jersey private money loans in the 2nd quarter of 2025 was 10.59%. The average loan amount was $714,502. These stats are the average of 329 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in New Jersey between April 1, 2025 and June 30, 2025 by multiple private lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.

 

analytics logics logo

According to private lending data provider, Analytics Logics, the average interest rate for New Jersey private money loans in the 2nd quarter of 2025 was 10.72%. Lenders charged an average of 2.3% points (origination fee). The average LTV (loan-to-value) for private money loans in New Jersey was 64%, and the average loan amount was $819,250. These stats are the average of all the loans which were funded between April 1, 2025 and June 30, 2025 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.

Top 10 New Jersey Private Lenders

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According to Forecasaâ„¢, here are the Top 10 Private Lenders ranked by the number of private mortgage loans* originated in New Jersey from January 2025 to March 2025.

  1. ROC Capital funded 322 loans
  2. Kiavi funded 177 loans
  3. Renovo Financial funded 155 loans
  4. Firstloans Inc funded 142 loans
  5. Constructive Loans LLC funded 104 loans
  6. Velocity Commercial Capital funded 86 loans
  7. RCN Capital LLC funded 62 loans
  8. Asset Based Lending LLC funded 60 loans
  9. IceCap Group funded 54 loans
  10. BD Capital LLC funded 46 loans

* The number of loans funded are approximate and includes long-term rental loans.

Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform..

New Jersey Private Lending Loan Volume

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According to SFR Analytics, here is the approximate quarterly volume of private mortgage loans secured by investment real estate in New Jersey which were funded by private lenders from January 2024 to December 2024.

  • Approximately $706,689,599 of private money loans were funded in the 4th quarter of 2024 for 1,158 borrowers.
  • Approximately $713,289,486 of private money loans were funded in the 3rd quarter of 2024 for 1,180 borrowers.
  • Approximately $690,299,879 of private money loans were funded in the 2nd quarter of 2024 for 1,136 borrowers.
  • Approximately $542,766,171 of private money loans were funded in the 1st quarter of 2024 for 959 borrowers.

Below are the approximate private money loan volume amounts for New Jersey’s metropolitan areas:

Atlantic City-Hammonton, NJ

  • 2024 Q4: $36,448,533 for 65 borrowers
  • 2024 Q3: $32,364,993 for 68 borrowers
  • 2024 Q2: $41,860,023 for 79 borrowers
  • 2024 Q1: $62,780,533 for 66 borrowers

Trenton-Princeton, NJ

  • 2024 Q4: $45,966,218 for 96 borrowers
  • 2024 Q3: $40,314,531 for 91 borrowers
  • 2024 Q2: $20,135,998 for 66 borrowers
  • 2024 Q1: $29,226,594 for 61 borrowers

Vineland, NJ

  • 2024 Q4: $15,975,047 for 47 borrowers
  • 2024 Q3: $10,994,187 for 42 borrowers
  • 2024 Q2: $25,707,268 for 35 borrowers
  • 2024 Q1: $11,025,985 for 40 borrowers

 

SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..

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