Private Lending
Questions, Answered

A private lender makes real estate loans with private capital instead of bank deposits. Private loans are typically short-term, underwritten mainly on the property and the exit, and close much faster than bank loans.

Another name for a private lender. "Private money" and "hard money" are often used interchangeably for short-term, asset-based real estate loans funded by private capital.

A lender that underwrites, approves, and funds the loan itself instead of placing it with someone else. See direct lender vs. broker for how to tell the difference.

Yes. We are a private direct lender based in Tempe. Our principals approve and fund the loans. If a deal is outside what we fund directly, we say so up front and can help place it through our network of capital correspondents.

Speed, flexibility, and certainty. Private lenders can fund asset types, timelines, and structures banks won't, and decide in days instead of weeks. Most borrowers use a private loan as a bridge, then refinance into bank financing once the property qualifies.

Usually, yes — you pay for speed and flexibility. For a deal with a deadline or one a bank won't do, that trade is often worth it. We quote each deal individually.

With a complete package, we can close in days, not months. Title, valuation, and diligence set the pace. See closing fast.

Typically within 24 hours of a complete submission, directly from a principal.

Submit your deal online or call (480) 345-3990. Send the loan amount, property type and location, and a short summary of the deal.

The exit first — how the loan gets repaid — then the property's value and location and the borrower's experience. Our loans are asset-based.

Often, yes. Many of our borrowers come to us after a bank turndown. See when the bank says no.

No. Our principals make the decision directly, which is a big part of why we move fast and close what we quote.

At 1212 E Baseline Rd, Suite 106, in Tempe, Arizona. We lend across the Phoenix metro and statewide, as well as the surrounding Southwest and select markets nationally.

Yes. Bridge Financial was formerly Oasis Financial — same principals, same relationships, same loan programs. Read our story.

Ty Stolworthy, Kevin Richards, and Paul Sargent, with more than 40 years of combined experience and involvement in over $2 billion in real estate transactions.

Yes. Brokers get direct access to our principals and fast answers. See for brokers.

NMLS# 2831447.