The Private Money Lender
Investors Trust
Fast, flexible private financing: secured and unsecured business loans, real estate loans, agricultural, SME and tech start-up financing, plus fix & flip, bridge, new construction, commercial and DSCR rental loans. Lending across the United States, Canada, the UAE, the UK and selected international markets, with decisions in 24 hours.
Quick Loan Inquiry
Get a same-day response. No application fee.
🏛️ NMLS Licensed Lender
⚡ 24-Hour Term Sheets
🔒 Direct Private Lender
🏠 Equal Housing Opportunity
⭐ 4.9/5 Borrower Rating
🔓 Unsecured Loans Available
🌍 USA · Canada · UAE · UK
The Alternative Lending Partner
You've Been Looking For
ER Capital Partners is a direct private lender offering asset-based and unsecured lending to real estate investors, operating businesses, start-ups and agricultural producers. We are not a bank: we are a private financing firm with discretionary capital and the operational speed to fund deals that conventional lenders can’t touch.
From fix and flip loans and commercial real estate bridge financing to unsecured business loans with no collateral required, our flexible financing is available across the United States, Canada, the UAE, the UK and selected international markets.
- Secured and unsecured options, no W-2s required
- Close in 5–10 business days
- Direct lender with discretionary capital
- Fast loan approval — term sheet in 24 hours
- Lending across the U.S., Canada, UAE, UK & select markets
- Dedicated loan manager on every deal
Investment Property Financing
for Every Strategy
From short-term hard money loans to long-term DSCR rental financing — a private loan program for every real estate investment strategy.
Secured, Unsecured, Business & Agricultural Loans
Financing for operating businesses, start-ups, SMEs and farms, with unsecured options that keep your assets free. Available across the United States, Canada, the UAE, the UK and selected international markets.
Unsecured Business Loans
Capital without pledging property or equipment. Approved on cash flow, revenue and track record, with decisions in 24–48 hours.
- $25K – $2M
- 6 – 60 month terms
- No collateral required
Secured Business Loans
Larger amounts and sharper pricing backed by real estate, equipment, receivables, inventory or other assets.
- $100K – $50M
- 6 months – 10 years
- Up to 80% loan-to-value
Small Business Loans
Simple, fast financing from $10K to $1M for main-street businesses, with secured and unsecured options.
- $10K – $1M
- 6 – 60 month terms
- Unsecured options
General SME Loans
Financing from $250K to $10M for established SMEs: growth capital, acquisitions, working capital lines and refinancing.
- $250K – $10M
- 1 – 10 year terms
- Secured or unsecured
Tech Start-Up Loans
Non-dilutive capital from $50K to $5M: venture debt, revenue-based financing and bridge-to-equity loans.
- $50K – $5M
- 12 – 48 month terms
- Minimal or no dilution
Agricultural Loans
Financing from $100K to $25M for land, equipment, operating capital, livestock and facilities, repaid around your harvest cycle.
- $100K – $25M
- 1 – 25 year terms
- Seasonal repayment
No Collateral. No Property Liens. Fast Decisions.
Not every opportunity comes with a building to pledge. Our unsecured business loans from $25K to $2M are approved on the strength of your revenue, cash flow and track record, so your property, equipment and personal assets stay free. Decisions arrive in 24–48 hours, with funding in days.
Why borrowers choose unsecured
- Keep real estate and equipment unencumbered
- Credit decisions in 24–48 hours
- Funding typically in 3–5 business days
- Fixed payments and transparent pricing
- Use funds for almost any business purpose
- Available in the U.S., Canada, UAE & UK
Close Your Deal in 4 Steps
Our streamlined private lending process gets you from application to funded in days — not weeks.
Submit Your Deal
Complete our quick loan inquiry. No fees, no commitment — just deal details.
Get a Term Sheet
Receive a formal term sheet within 24 hours. Fast loan approval guaranteed.
Underwriting & Appraisal
Our team reviews the asset. Due diligence completed in 3–5 business days.
Close & Fund
Loan docs issued, funds wired. Most private loans close in 5–10 business days.
What Real Estate Investors Say
“I’ve funded seven deals with ER Capital and they’ve never missed. Their underwriting team actually understands construction budgets — that makes a real difference when you need fast loan approval on a complex deal.”
“As a broker, I need a private lending partner who performs. ER Capital is the only hard money lender I consistently recommend. Same-day term sheets, no hidden fees, and they close on time — every time.”
“The DSCR rental loan changed everything for my buy-and-hold strategy. No tax returns, qualifies on rent income — I refinanced six rentals into one loan and pulled $200K in equity. Seamless.”
Common Questions Answered
How fast can you close a hard money loan?
We close most fix & flip and bridge loans in 5–10 business days. Repeat borrowers on our Fast Track program have closed in as few as 3 days.
Do you offer unsecured loans without collateral?
Yes. Our unsecured business loans range from $25K to $2M with no lien on your property, equipment or inventory. Approval is based on revenue, cash flow and credit, with decisions in 24–48 hours. Learn about unsecured loans.
Do you require tax returns or W-2s?
No. Our private lending programs are asset-based. We underwrite on the deal and the collateral — not your personal income or employment history.
What is the minimum credit score?
We require a minimum of 620. The deal quality and property value matter far more than credit score for our asset-based lending programs.
Where do you lend?
We lend throughout the United States, Canada, the United Arab Emirates, the United Kingdom and selected international markets, directly or with locally licensed partners where required. We are a direct lender with our own discretionary capital: no broker, no middleman, no delays.
What loan programs do you offer?
Unsecured and secured business loans, small business and SME financing, tech start-up loans, agricultural loans, and real estate financing including fix & flip, bridge, new construction, cash-out refinance, commercial real estate and DSCR rental loans. See all loan programs.
Lending Across the U.S., Canada, UAE, UK & Beyond
ER Capital Partners funds borrowers throughout the United States, Canada, the United Arab Emirates, the United Kingdom and selected international markets. We lend directly or with locally licensed partners where required, in USD, CAD, AED and GBP, with secured and unsecured options in every market.
United States
All 50 states
Canada
All provinces
United Arab Emirates
Dubai, Abu Dhabi & beyond
United Kingdom
England, Scotland, Wales & NI
Selected Markets
Approved international markets
Ready to Fund Your Next Deal?
Submit your loan request and receive a term sheet within 24 hours. No application fee, no obligation. Asset-based lending for serious investors.