Call: 212-537-5833

Text: 917-267-9523

West Forest Capital

Private Money Lenders West Palm Beach

Rates Starting at 10%

As a direct lender, West Forest Capital specializes in financing real estate investments. We understand the urgency of the competitive real estate market and pride ourselves on being the fastest hard money lender in the state.

Key Features:

  • Direct lender, not a broker
  • Same day pre-approval
  • Funding typically provided in 5-12 days, with the potential for 1-day funding
  • Loan amounts available up to $5 million

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(Investment Properties Only)

Property Types

Investment Opportunities in a Variety of Real Estate Asset Classes:

Lending Parameters

Loan Size$100,000 to $5,000,000
LTCUp to 80% of purchase price
Rehab Funding 100%
LTVUp to 70% of the ARV
TermStandard is 12 months. 24-36 months is available
LienFirst lien; second lien as additional collateral only
Interest Rate 10%–12.5%
Points1.5–2% of the loan amount

Recently Funded Hard Money Loans in Florida

Palm Beach Gardens , FL​

Palm Beach Gardens , FL

Our client is an experienced investor in the Palm Beach County area and found this off-market home after contacting homeowners in the vicinity of another project.  While the home was livable, it was not updated, and needed significant repairs (kitchen, floors, bathrooms, paint, roof, HVAC).  Utilizing a Palm Beach County hard money loan in Palm Beach Gardens, our client completed the work and sold the home in a 9 months period, yielding nearly a 200% gain on his original investment.

West Palm Beach, FL

West Palm Beach, FL

This was our client’s first real estate deal.  Our client sought to take advantage of the momentum in West Palm Beach’s real estate market and anticipated rent increases in the area.   Although this was a new real estate investor, they received 80% of the purchase price and 100% of the rehab costs.  As a local Palm Beach hard money lender in West Palm Beach, we were comfortable that our client was buying below market in this building.  After doing cosmetic repairs (primarily removing the carpet and updating the kitchen), our client found a great tenant and refinanced into a rental loan.

Boynton Beach, FL​

Boynton Beach, FL

Our client obtained a Palm Beach County hard money loan in Boynton Beach to booster his offer for the property which beat out several other offers with conventional financing.  After the needed repairs were completed, the exit strategy was flexible: either a sale or a conventional refinancing once the property was stabilized and rented. Ultimately, our client came across another fix and flip opportunity and elected to sell the rehabbed original property to raise cash for a down payment on the next deal.

Why Use a Hard Money Loan

  1. Get Funding Fast: At West Forest Capital, we offer same day hard money loan approval and funding within 3-5 days. In emergency situations, we can even fund in just 1 day!
  2. Finance Challenging Properties: If your property requires rehab, is missing a Certificate of Occupancy (CO), or lacks a strong rental history, traditional banks may not finance it. But don’t worry, West Forest Capital specializes in funding properties that banks won’t.
  3. Poor Credit? No Problem: We understand that life can throw curveballs that impact your credit score. That’s why at West Forest Capital, we prioritize the value of the property over your FICO score or debt-to-income ratios when considering funding a loan.
  4. Expand Your Options: If you prefer to own a property in an LLC or if you own too many properties for a bank to finance you individually, a hard money loan from West Forest Capital is the perfect solution. Don’t limit yourself when it comes to property ownership.
Palm Beach money Loans
Palm Beach money Loans
West Palm Beach Loans
Palm Beach money Loans

Why Choose a West Palm Beach Private Money Lender?

In 2013, we started our lending journey and are proud to be a local private money lender in the state. We have extensive knowledge of the rent regulations in Elizabeth, Rahway, and West Palm Beach. If necessary, we can guide you through the permit application process in Planview, Jersey City, and Union City. We are well acquainted with the distinctions between the Oranges and can give you an authentic description of the Jersey Shore. Additionally, we have a beloved pizza spot in Passaic.

Financing your West Palm Beach Investment Property

Discover the thriving real estate market, conveniently located near major cities like New York City and Philadelphia. With a resilient economy and flourishing industries such as pharmaceuticals, financial services, manufacturing, technology, and transportation, the opportunities for investors are abundant. Don’t miss out on adding value to this dynamic market. Trust West Forest Capital, a trusted hard money lender, to guide you towards success.

Asset-backed Lender Focused on Customized Solutions

At West Forest Capital, we specialize in providing hard money financing for fix and flip projects in the market. Our expertise allows us to create unique and tailored loan solutions to meet your needs. We base our funding on the value of the property, meaning we can even finance more than the total purchase price and rehab costs in some cases.

Additionally, we offer the longest hard money loan available on the market – a three-year term. This makes it ideal for investors looking to buy and hold properties.

Contact us today or apply for a loan to take advantage of our services.

Frequently Asked Questions

Private money lenders, unlike traditional banks, are asset-based lenders who focus more on the property itself and less on the borrower. This means that their loan requirements and lending criteria differ significantly from those of banks. The advantage of working with a private money lender is that the loan process is much faster, often taking only a week to fund, compared to several months with a traditional bank.

Real estate investors who purchase foreclosures at auctions often rely on private money lenders due to the quick closing requirements of these auctions. Additionally, private money lenders are willing to fund loans on properties that traditional banks wouldn’t, such as those without a Certificate of Occupancy.

Private money lenders are an ideal choice for individuals with poor credit or those looking to rebuild their credit, as they are more lenient with credit scores. They also offer loans for refinancing existing lenders or as a way to access cash from a property.

It’s important to understand that private money lenders only provide loans for investment real estate, not for residential purposes. Meaning, you cannot live in a property that has a mortgage from a private money lender.

Private money lenders provide real estate investors with quicker access to capital compared to banks and credit unions. This can help increase cash flow for rehabilitation projects. Although private lenders usually have higher interest rates, they have more flexible criteria than traditional lenders and offer faster application processing. This makes them a more accessible option for individuals with lower credit scores.

Get funding for your real estate rehab projects with private money loans. No credit score or income requirements. Here are the qualifications:

  • Down Payment: Use the property as collateral with a down payment ranging from 20% to 40%. For a $400K residential property with a 75% LTV ratio, you’d need a $100K down payment.
  • Appraisal: Ordered by West Forest Capital.
  • Insurance Policy: West Forest Capital as the loss payee and additional insured.
  • Builder’s Risk Insurance: For extensive rehab projects.
  • Lender Title Insurance: West Forest Capital as the beneficiary.
  • Credit Score: Projects can still be funded with a credit score below 600.

Get pre-approved today! Call 212-537-5833 or text 917-267-9523 for a pre-approval letter on the same day you apply.

Private money loans offer flexible financing options for various real estate needs. They can be used for:

  • Acquiring and renovating properties that traditional banks won’t finance, whether it’s due to your credit or the property’s condition.
  • Quickly refinancing an existing mortgage on a property that is nearing its maturity date.
  • Obtaining immediate cash-out refinancing by using an already-owned property as collateral.
  • Financing real estate transactions that require a fast closing, which traditional banks may not be able to accommodate.
  • Acquiring a property under the name of a Limited Liability Company (LLC). Since traditional banks often don’t extend loans to LLCs, a private money loan can be a suitable alternative.
We provide funding for rehab costs through a private money loan. And not just a portion, we can cover 100% of your rehab costs. Here’s how it works: you complete a section of the project, we send an inspector to review it, and then we distribute the funds for the work that’s been completed. The best part? The entire process only takes 1-3 days.

We Value our Broker Relationships

West Forest Capital is the fastest Hard Money Lender in West Palm Beach

West Palm Beach Hard Money Lender

We can fund hard money loans in 3–5 days

If you are looking for a West Palm Beach hard money lender, give us a call

Submit a loan request

A West Palm Beach direct lender you can rely on

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