Commercial
Short-term commercial bridge and hard money up to 90% of loan-to-cost, underwritten on equity and capacity rather than a scorecard.
View Terms →Private & Bridge
Private Money & Bridge Loans
A leader in private money and bridge financing. Approval in as little as 24 hours and funding in as little as seven days, subject to a complete file, underwriting, title review and property valuation.
US Lending & Company is a leader in private money and bridge loans. We lend against luxury residential, commercial and apartment properties for borrowers who need certainty of close more than they need a bank's timeline.
The process is fast and straightforward by design: approval can come within 24 hours, and a complete file can be signed and funded in seven days. Timing depends on title, valuation and the borrowing entity's paperwork.
Luxury ResidentialCommercialApartmentsBridge-to-Refinance
Indicative TermsPrivate Loans
Approval*in as little as24 hours
Funding*in as little as7 days
PropertyRes. / Comm. / Apt.
Fast private capital against luxury residential, commercial and apartment collateral when certainty of close matters more than rate.
Rates and terms shown are indicative, subject to change without notice, and subject to underwriting approval. This is not a commitment to lend.
*Subject to terms and conditions, a complete file, underwriting approval, title review and property valuation.
Why This Program
How we underwrite it.
Certainty of close
A term sheet you can take to a seller, and a closing date we hold to.
Equity-led underwriting
We read the property and the exit first, then the file — not a credit score alone.
Bridge to a permanent exit
Structured so a refinance or sale can take us out cleanly, without a prepayment trap.
Loan Programs
Other programs.
Construction
Ground-up and rehab capital to $75 million that converts to a permanent loan at conventional rates when the build completes.
View Terms →Apartments
Bridge and value-add financing underwritten on in-place and projected NOI, occupancy and unit mix — not collateral alone.
View Terms →Learn More
Related Reading
Guides from our underwriting desk on private money, bridge financing and how we evaluate a file.
What Is a Hard Money Loan in California? A Plain-English Guide
A hard money loan is a short-term loan secured by real estate and underwritten on equity. Learn how it works in California, who uses it and what to ask.
Read →Documents Needed for a Private Money Loan: A Practical Checklist
A practical checklist of documents a private money lender typically asks for: property, entity, title, value support, exit plan and insurance, plus what speeds a file up.
Read →Questions to Ask Before Choosing a Private Lender
A borrower checklist for evaluating any private lender: licensing, timeline, fees, extension and prepayment terms, who underwrites, and how declines are handled.
Read →Send us the file.
We read it the same day. Approval in as little as 24 hours, subject to a complete file and underwriting.