
LOANS &
INVESTMENTS
LICENSED BY CALIFORNIA DEPARTMENT OF REAL ESTATE SINCE 1979

​
REAL ESTATE PRIVATE MONEY LOANS, TRUST DEED INVESTMENTS, NOTE COLLECTION SERVICES, AND BEYOND
FAQ
What's a private money loan? What are the interest rates? How fast can I get funds?
Frequently Asked Questions
At A-1, we specialize in private money loans for business and investment purposes.
Whether you're a real estate investor or need fast funding for a unique opportunity, we're here to help.
​
Keep reading below for answers to common questions, or give us a call anytime at 707-321-1111 to discuss your specific situation — no obligation.
What is a private/hard money loan?
A private or hard money loan is a type of loan provided by a non-institutional lender or a private individual — not a traditional bank or conventional mortgage company. These loans are often used in real estate, especially for fix-and-flip projects or when borrowers need quick or flexible financing. These loans are generally based on the property's equity, also known as asset-based lending.
These loans are ideal for:​
-
Business owners
-
Real estate investors
-
Self-employed individuals
-
Borrowers who need fast funding or don’t qualify for traditional loans
What is a business purpose loan?
A business purpose loan is a type of financing where the majority of funds are used for business or investment-related activities — not for personal, family, or household use. These loans are commonly used by real estate investors, business owners, and entrepreneurs to acquire property, purchase assets, or inject working capital into their business.
Some common uses include:
-
Purchasing investment properties
-
Fix-and-flip real estate projects
-
Refinancing or cashing out equity from commercial or rental properties
-
Funding business operations or expansions
How much can I borrow?
Loan amounts typically range from $50,000 to $1,000,000+, depending on the asset and project.
What are your interest rates and terms?
Note rates typically range from 8% to 12%, with loan terms between 6 months and 3 years. Terms vary depending on the property, borrower, and loan structure.
How fast does a private money loan close?
We can typically close in as little as 5–10 business days, depending on the deal and documentation. Our fastest closing was just over 48 hours.
Do you require good credit?
While we may review your credit, our decisions are primarily based on the value of the property and the strength of the deal, not your credit score.
How do I apply?
You can call us directly at 707-321-1111 or fill out our short application form. We’ll follow up promptly to learn more about your project.