What Are Private Money Loans- All Real Estate Loans
                     What Are Private Money Loans?
By 
All Real Estate Loans & Investments Co.
(A Private Money Lender for Real Estate in Oregon, USA)
Definition
A loan that is given by a private organization or a wealthy individual
Private money loans – or simply private 
money – is a term used to describe a 
loan that is given to an individual or 
company by a private organization or 
even a wealthy individual. The 
organization or the individual is known 
as a private money lender.
They Are Also Known As:
➢ Hard Money ➢ Private Financing
➢ Private Investor Funds ➢ Development Loan
➢ Equity Loan ➢ House Flipping Loan
➢ Investment Loan ➢ Bridge Loan
➢ Private Mortgage ➢ Temporary Loan
➢ Non-Conforming Loan ➢ Private Lending
➢ Non-Conventional Loan ➢ Down Payment Loan
How Are They Different From Traditional Loans?
Private lender loans are different than traditional loans from big banks, and the process of obtaining one 
will be different as well.
● Speed of Purchase: On average, a private lender can underwrite and fund a loan in as little as 7-21 
days. Banks can take up to 90 days to accomplish the same thing. The timeframe offered by a 
private money lender is, more or less, conducive to the deals a typical investor wants to finance.
● Asset-based Lending: Private lending is primarily driven by the underlying value of the subject 
property. Therefore, a borrower does not need to rely on their credit to secure a loan.
● Control & Profitability: Borrowers receiving private money have more control over their loan. 
Borrowers of private money do not need to take on equity partners.
● Shorter Term Loans: Private money loans typically have a shorter loan period than those of a 
conventional nature, which reduces the risk of accruing late penalties.
● Guarantee of Capital: Private money allows borrowers, independent investors in particular, to expand 
their business. A predictable source of funds is necessary for such an endeavor.
Factors That a Private Lender Focuses On:-
The mitigation of risk is paramount for a private lender because the goal is to make money. There are 
a number of factors that a private lender focuses on before offering a borrower a loan. Among the 
most important are:
● Borrower credit – A borrower’s credit score reveals how quickly and consistently the borrower 
has historically paid off his debts
● Pricing strategy – How can the lender ensure that the cost (to the borrower) of the loan is 
competitive with other lenders
● Exit strategy – The schedule for the borrower to settle the loan and how they plan to do it
It’s also wise for the lender to perform due diligence, verifying any information provided by the 
borrower in order to get the loan.
Who is “All Real Estate Loans & Investments Co.”
All Real Estate Loans & Investments Company loans private money on real estate. We have a 
variety of investors who provide financing for residential and commercial real estate in 
Oregon, as well as commercial projects in other states. We loan money for residential single 
family homes, as well as commercial projects involving health care, medical facilities, hotels, 
motels, multi-family projects, high rise facilities, casinos, resorts, mines with mineral rights, 
land developments, subdivisions, mobile home parks, theme parks, and more.
We have lenders for any type of a “make sense” real estate project. In most cases, the loan 
funds within 15-30 days. For residential, we fund many types of loans such as mortgages for 
manufactured homes or mobile homes, bridge loans, hard money loans, equity loans, and 
more. For commercial real estate, we have available funds for: construction loans, acquisition 
loans, refinance loans, bridge loans, development loans, and business loans. 
All Real Estate Loans & Investments Company is a well-known mortgage house, and we are 
referred to as THE MORTGAGE BROKER’S BROKER. We fund loans where most other 
mortgage brokers simply pass the loan from one broker to another.
Summary
● Private money loans are given to individuals or 
companies by a private organization or individual 
instead of a bank or other financial institution.
● Private money lenders must be diligent and discerning 
when offering private money to borrowers.
● Risks exist for both borrowers and lenders with private 
money loans.
Thank You
Website: https://allrealestateloans.com/ 
203 SE H Street, Grants Pass, OR 97526 
Call: 541-471-4987 or 888-740-5626
Sources:
1. https://corporatefinanceinstitute.com/resources/knowledge/finance/private-money-loan/
2. https://www.fortunebuilders.com/becoming-private-money-lender-part-2-breaking-privat
e-money-loan/
 
3. https://allrealestateloans.com/what-are-private-money-or-hard-money-loans/