For Real Estate Private Hard Money Loans:

Not available where prohibited by law, or in states where Private Money Exchange does not trade. Loans are available only on non-owner occupied real property.  States we are not brokering in at the moment:  AZ, CA, ID, MN, NC, NJ, NV, NY, OR, SD, UT, VT


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The Nation’s Best Residential Finance Provider

Apply for a Private Money Loan

Completion of the request form below doesn't guarantee a funded loan. Other criteria will be evaluated during our approval process to determine eligibility. By submitting your information below, you agree to us and/or our lending partners to emailing you and calling you.
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Are you purchasing an investment property to fix and flip? Or are you seeking funds to buy and hold a cashflow investment? Perhaps you need to refinance on a property you already own? Let’s find out more about your property and how we can get you the funds you need to be successful in real estate.
  • Whether you are wholesaling, flipping, rehabbing, or buying to hold, we offer fast and creative financing solutions to fit your criteria.
  • Equity based: we fund based on the deal – bring us a good deal and we will get it funded!
  • Application process is quick and easy. Apply today and get funded fast!
  • We are private money brokers for real estate investors. And we work solely with real estate investors.........

Masoba Capital is a Certified Private Hard Money Broker offering creative financing solutions for real estate investors through Private Money Loans.

We broker private hard money lending on any type of real estate deal, and offer competitive rates for any kind of fix and flip hard money loans project, and more.

Flexible Guidelines
  • Non-owner Occupied Only
  • No Minimum FICO Requirements
  • Bankruptcy or Foreclosure OK
  • Derogatory mortgage history is OK
  • Investment Purpose: Acquisition, Cash-Out, Refinance, Rehab
  • Interest Only Loans
Asset-based Lending
Based on property value.
This means that credit is not a deciding factor in decisions.  Our loans are asset-based. We base our loans on the value of the asset, not on your credit score, income, or the size of your debts. However, a high credit score can potentially get you our better rates.
Foreign Investor
The perfect option for foreign real estate investors.
Our Foreign Investor program is specifically designed for foreign investors who are seeking investment properties in the U.S. but have not found a financial solution.
  • LTVs of up to 65%.
  • No U.S. credit required.
  • No seasoning of funds required.
  • No other U.S. investment experience required.
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What is Private Hard Money?

There are many different terms that this can go by.  We are sure you have heard this referred as, "Private Money," "Equity-Based Financing," "Bridge Financing," or "Creative Financing," but in all reality, they all refer to the same thing.

This type of funding is a non-traditional financing that relies on the property.  It's merits, rather than on the personal qualifications of the applicant.  These types of loans are typically secured by a note and deed of trust in first lien position on the property.  Basically, it is asset based.

In other words, if you have a great deal under contract, you can find the money to do the deal and 
Masoba Capital wants to be your broker funding source!
Apply Now
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Who Uses Hard Money?

There is this misunderstanding that the only people who use hard money (or OPM) are the people who have bad credit, bankruptcies, short sales, and foreclosures on their record and can’t get access to cash any other way. While this is true in some circumstances, many very successful real estate entrepreneurs use hard money each and every time they buy a property.

Why would real estate investors with liquid and sizable cash reserves on hand still prefer to use OPM (Hard Money Loans) every day of the week? Why would heavy-hitters, with gobs of personal cash, regularly use OPM?

Habitual, hard-core Deal Makers understand that if they leverage their own cash reserves, they simply tie up their own money for 6-12 months. This makes it impossible to buy more properties based on the amount of money in their bank accounts, which serves as proof that they can service loans on varying cash-flowing properties.

By leveraging OPM, they keep their own money liquid, which means they can do more deals, more often!

Steps To Take To Getting Hard Money

The biggest blunder any investor can make in real estate is to shop too early for money, yet this is the most common mistake we see investors making in real estate. The rule of thumb is: it’s much easier to shop for cash when you have a deal in hand and under contract.

Why? Because as long as that property is not under contract, it’s up for grabs by anyone and everyone and no lender will spend time and resources on a property that can be snatched out from under the borrower at any moment’s notice.

Putting the house under contract is an easy enough, 4-Step process.
  • Step 1: Prospect and Review Potential Properties
  • Step 2: Write Offers
  • Step 3: Get Offer Accepted by Seller
  • Step 4: Put Earnest Money in Escrow to complete the contract

Once these 4 Steps are completed, you have a fully executed Purchase and Sale Agreement, the property is under contract, and you are ready to shop for cash.  And we can definitely help you with that, all you have to do is start the process!

5 Reasons To Use Hard Money

Hard Money is commonly considered “Really, really expensive money unless you know what you’re doing.” But actually it’s much more than that. Although Private Money tends to be more expensive than conventional financing, its benefits often outweigh its costs.
  • It’s Fast: Flipping homes is a time-sensitive business. Depending on how fast you submit the loan package items, you can have your loan in several days to several weeks. It can take one to three months to secure a loan with traditional financing.
  • It Looks at Collateral, Not You: Hard money lenders are not interested in credit score.They are interested in how much value they see in the property since the property is the asset that is backing the loan.
  • It’s Everywhere: Hard money lenders are often people who have funds parked in lower-yielding financial vehicles like CDs, stocks, or IRAs and are looking for newer ways to maximize their funds in higher yielding conduits, like lending on real estate.
  • It’s Creative: With hard money, you can get funding on great deals that banks would normally shun. Promising investment properties that needs repairs, make them unsuitable for most banks, but perfect for most hard money lenders.
  • It’s Flexible: Hard money lenders don’t have the same strictly-enforced guidelines to follow for their loan applications, so they are more willing to help creatively structure loans that work for the project.

Having a Private Hard Money Broker, like Masoba Innovations Capital, in your court gives you confidence to put properties under contract. As long as you find the no-brainer deal that fits our guidelines, do the proper due-diligence, and apply.

Here are the 3 Easy Steps To Start A Hard Money Loan With Masoba Capital!


Submit a get started now form first! Then, complete the required documents that we will email you. This will give us details about the home and the loan you need. 


We'll quickly review your submission form, and if the deal makes sense, we'll share it with our investors and get it funded! We'll contact you and provide you with loan terms and assist in moving towards closing.


We will work with you and the title company to plan for settlement. Once the date has been chosen and all title work is complete, our investors will wire funds directly to the designated title company for closing!
Apply Now

OR if it's easier, just call us now at 800-398-3691


Proof of Funds Letters are frequently required by real estate agents to prove you have the funds to close on a potential investment.
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Our success is your success! Partner with the nation’s leading Private Money Broker and we’ll guide and support you every step of the way!
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For Real Estate Private Hard Money Loans:

Not available where prohibited by law, or in states where Private Money Exchange does not trade. Loans are available only on non-owner occupied real property.  States we are not brokering in at the moment:  AZ, CA, ID, MN, NC, NJ, NV, NY, OR, SD, UT, VT