Most Popular
Private Real Estate Lender · 42 States
The Hard Money Lender
Real Estate Investors Trust
Fast, flexible private financing for fix & flip loans, bridge loans, new construction, commercial real estate loans, and DSCR rental financing. Asset-based lending with direct approval in 24 hours.
$500M+
Capital Deployed
5 Days
Fastest Close
3,200+
Loans Funded
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
Who We Are
The Alternative Lending Partner
The Alternative Lending Partner
You've Been Looking For
ER Capital Partners is a direct private lender specializing in asset-based lending for real estate investors. 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 to commercial real estate bridge financing, our flexible financing solutions are built for investors who need a direct lender that moves at deal speed.
- Asset-based underwriting — no W-2s required
- Close in 5–10 business days
- Direct lender with discretionary capital
- Fast loan approval — term sheet in 24 hours
- Licensed in 42 states and D.C.
- Dedicated loan manager on every deal
15+
Years in Private Lending
500M+
Capital Deployed
3200+
Loans Funded
42
States Licensed
97%
Repeat Borrowers
Private Lending Programs
Investment Property Financing
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.
Flexible
Ground-Up
Equity Access
Large Scale
Best Rate
Fast Loan Approval Process
Close Your Deal in 4 Steps
Our streamlined private lending process gets you from application to funded in days — not weeks.
01
Submit Your Deal
Complete our quick loan inquiry. No fees, no commitment — just deal details.
02
Get a Term Sheet
Receive a formal term sheet within 24 hours. Fast loan approval guaranteed.
03
Underwriting & Appraisal
Our team reviews the asset. Due diligence completed in 3–5 business days.
04
Close & Fund
Loan docs issued, funds wired. Most private loans close in 5–10 business days.
Borrower Testimonials
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."
Hard Money Lending FAQ
Common Questions Answered
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.
No. Our private lending programs are asset-based. We underwrite on the deal and the collateral — not your personal income or employment history.
We require a minimum of 620. The deal quality and property value matter far more than credit score for our asset-based lending programs.
Yes. We are licensed in 42 states. We are a direct lender with our own discretionary capital — no broker, no middleman, no delays.
Fix & flip loans, bridge loans, new construction, cash-out refinance, commercial real estate loans, and DSCR rental financing.
Get Started Today
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.