Philadelphia Private Money Lenders for Real Estate Investors

Seeking a private money loan secured by real estate in the Philadelphia metro area? On this page you'll find a list of direct private money lending companies that offer fast funding for a Philadelphia 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. So you'll need a 30%+ down payment for a purchase, and for a refinance, the maximum loan-to-value is 70%.
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Malve Capital LLC

Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.

$50,000 - $5,000,000
6 to 24 months
9.00% - 12.00%
1.00% - 2.00%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
i Fund Cities

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

$75,000 - $15,000,000
6 to 360 months
7.00% - 12.00%
1.50% - 4.00%
Pimlico Capital

Direct Lender for Real Estate Investors | Established in 2016

$75,000 - $5,000,000
3 to 360 months
10.50% - 12.00%
2.00% - 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%
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%
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%
Gelt Financial, LLC

Creative Private Financing for Commercial Real Estate since 1989

$50,000 - $3,000,000
12 to 60 months
3.00% - 5.00%
Yieldi LLC

Direct, Reliable Lender for Investment Properties

$500,000 - $25,000,000
6 to 24 months
10.00% - 14.00%
1.00% - 4.00%
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%
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%
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%
ZINC Financial

Direct Lender for Real Estate Investors. Established in 2006.

$100,000 - $2,500,000
1 to 360 months
8.99% - 11.99%
0.50% - 2.00%
Center Street Lending

Smarter Loans for Residential Investors

$100,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
Residential Capital Partners

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

$75,000 - $1,250,000
1 to 9 months
10.40% - 13.90%
2.00% - 3.00%

Pennsylvania Private Money Interest Rates

lightning docs logo

According to the private money loan documents software company, Lightning Docs, the average interest rate for Pennsylvania private money loans in the 1st quarter of 2024 was 11.80%. The average loan amount was $253,267. These stats are the average of 90 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in Pennsylvania between January 1, 2024 and March 31, 2024 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 Pennsylvania private money loans in the 1st quarter of 2024 was 10.97%. Lenders charged an average of 2.4% points (origination fee). The average LTV (loan-to-value) for private money loans in Pennsylvania was 63%, and the average loan amount was $317,650. These stats are the average of all the loans which were funded between January 1, 2024 and March 31, 2024 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.

 

Top 10 Pennsylvania 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 Pennsylvania in the last 12 months from March 2024.

  1. RCN Capital LLC
  2. Kiavi
  3. Constructive Loans LLC
  4. ROC Capital
  5. Prime Funding Group LLC
  6. Lending Capital Group Inc
  7. Lima One Capital LLC
  8. I Fund Cities
  9. Velocity Commercial Capital
  10. MM RE Holdings LLC

Forecasaâ„¢ provides analytics data for Pennsylvania private lending on a quarterly basis. You’ll find their top lenders data for many other states on our platform.

Pennsylvania Private Money Interest Rates

lightning docs logo

According to the private money loan documents software company, Lightning Docs, the average interest rate for Pennsylvania private money loans in the 3rd quarter of 2024 was 11.45%. The average loan amount was $313,131. These stats are the average of 136 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in Pennsylvania between July 1, 2024 and September 30, 2024 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 Pennsylvania private money loans in the 3rd quarter of 2024 was 11.45%. Lenders charged an average of 2.6% points (origination fee). The average LTV (loan-to-value) for private money loans in Pennsylvania was 64%, and the average loan amount was $273,660. These stats are the average of all the loans which were funded between July 1, 2024 and September 30, 2024 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.

Local Pennsylvania Private Lenders

Below are the private lenders on our platform that are “local” lenders, based in the Philadelphia metro area. All of them are professional private lending companies. You won’t find any individual/family lenders on our platform.

  1. I Fund Cities
    Based in Downtown Philadelphia, I Fund Cities provides several types of private money loans to real estate investors – bridge, fix & flip, ground-up construction and DSCR long-term rental loans secured by residential/multifamily properties. They can get creative with leverage structures, especially for construction projects. According to Forecasa, I Fund Cities ranks in the Top 10 Pennsylvania private lenders in terms of loan volume. They lend 20 other states. We have visited their office.
  2. Rehab Financial Group
    Based in Rosemont and established in 2010, Rehab Financial Group provides private money loans for residential and small multifamily rehab projects. They offer 100% financing to real estate investors who have decent credit and can provide proof of income. They also fund ground-up construction loans. Most of their lending is in Pennsylvania and New Jersey, but they lend in 30+ other states. We have visited their office.

Top 10 Pennsylvania Private Lenders

forecasa logo

According to Forecasaâ„¢, here are the Top 10 Private Lenders ranked by the number of private mortgage loans originated in Pennsylvania from July 2024 to September 2024.

  1. Kiavi
  2. Constructive Loans LLC
  3. RCN Capital LLC
  4. ROC Capital
  5. Lending Capital Group Inc
  6. I Fund Cities
  7. Cv3 Financial Services LLC
  8. Nextres LLC (Lendingbase)
  9. Mauch Chunk Trust Company
  10. Velocity Commercial Capital

Forecasaâ„¢ 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.

Select a Metro Area

Philadelphia and Pittsburgh are the two main metropolitan areas in Pennsylvania. There are a few lenders on our platform that will only consider properties in the Philly metro area but not Pittsburgh.

Philadelphia Pittsburgh

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