Private Lenders Directory
What Is the Private Lenders Directory?
The LendLedger Private Lenders Directory lists verified non-bank lenders across seven financing categories — hard money, bridge, DSCR, fix & flip, construction, MCA, and revenue-based financing. Each lender profile includes independently collected borrower reviews, funded deal counts, and average closing timelines, giving real estate investors and business owners the data they need to compare lenders before applying. As of 2025, the directory covers providers operating across all 50 states. Curator-verified credentials include legal entity confirmation, operating history, and applicable state licensing — so every lender in the directory has cleared a baseline of legitimacy checks no other commercial finance platform applies systematically.
Non-bank lenders now originate the majority of small-business and investor real estate credit in the United States — the U.S. private credit market has grown past $1.3 trillion, and non-bank lenders approve 67% of qualified applicants versus 41% at banks. But the market runs almost entirely on private relationships: there is no public record of which lenders close on committed terms, which re-trade at the table, and which disappear after collecting fees.
LendLedger is the missing reputation layer. Every lender in this directory has a structured profile — verified status, product types, loan parameters, geographic coverage, average rating, and review count — built from curator-moderated reviews submitted by operators and brokers who actually closed (or failed to close) with the lender. Risk flags for bait-and-switch pricing and unresolved defaults are applied by curators from review evidence and cannot be removed by payment.
Browse lenders by product category below, or search by name, market, and state. Each category page explains the product, what to diligence before signing, and lists the top-rated lenders in that vertical. Open any profile for loan size ranges, leverage limits, rate and point ranges, close-time data, fee flags, and borrower reviews.
Lender categories
Hard Money Lenders
Compare verified hard money lenders by rating, close speed, loan size, and real borrower reviews. See who actually closes when they commit.
Browse Hard Money lendersBridge Loan Lenders
Find verified bridge lenders with real close-time data, borrower reviews, and loan parameters. Compare who funds fast and who re-trades at closing.
Browse Bridge Loans lendersDSCR Lenders
Compare verified DSCR rental loan lenders by rating, leverage, pricing, and real borrower reviews. Vet before you apply.
Browse DSCR lendersFix & Flip Lenders
Find verified fix and flip lenders with real reviews on draw speed, fees, and closing reliability. Compare rehab loan terms side by side.
Browse Fix & Flip lendersConstruction Lenders
Compare verified ground-up construction lenders by rating, draw reliability, leverage, and real builder reviews.
Browse Construction lendersMCA Funders
Vet merchant cash advance funders before you sign. Verified profiles, real merchant and ISO reviews, factor rates, and renewal behavior.
Browse MCA lendersRevenue-Based Financing Providers
Compare verified revenue-based financing providers by rating, terms, and real founder reviews. Know the true cost before you sign.
Browse Revenue-Based lendersAbout each lender category
Hard Money Lenders
Hard money lenders provide short-term, asset-based loans secured by real estate, underwriting the property itself rather than the borrower’s tax returns or W-2 income. Typical hard money loans run 6 to 24 months, fund 65–75% of a property’s value, and close in days rather than the 30–45 day timelines common at banks. That speed is the entire value proposition — and it is also where borrowers get hurt when a lender quietly re-trades terms at the closing table or fails to fund a committed draw.
Bridge Loan Lenders
A bridge loan is a short-term financing solution — typically 6 to 24 months — used to “bridge” the gap between purchasing a new property and securing permanent financing or selling an existing asset. Bridge loans commonly fund fix-and-flip projects, commercial acquisitions, land purchases, and time-sensitive residential transactions where conventional mortgage timelines of 30–45 days would cause a deal to collapse. Unlike bank loans, bridge lenders underwrite primarily against the asset’s value and the borrower’s exit strategy rather than personal income or tax returns.
DSCR Lenders
DSCR loans qualify borrowers on a property’s debt service coverage ratio — the rental income divided by the mortgage payment — rather than personal income. For rental investors who are self-employed, scaling past conventional loan limits, or holding properties in LLCs, DSCR debt has become the default long-term financing product: 30-year terms, no tax returns, entity-friendly closings.
Fix & Flip Lenders
Fix and flip loans finance both the purchase and the renovation of a property in a single facility, with rehab funds held back and released through draws as work completes. Lenders size these loans against after-repair value (ARV) — commonly up to 70–75% of ARV — with 12–18 month terms designed to carry the project from acquisition through sale.
Construction Lenders
Private construction lenders finance ground-up builds — from single spec homes to multifamily projects — where banks have retreated or move too slowly. Loans are structured with an initial land/acquisition advance plus a construction holdback released in draws against completed work, typically over 12–24 month terms sized to 80–85% of cost or 65–70% of completed value.
MCA Funders
Merchant cash advance (MCA) providers purchase a fixed amount of a business’s future receivables at a discount, collected through daily or weekly remittances. For businesses that cannot access bank credit — or need capital in 24–48 hours — MCA is often the only available product. It is also the least transparent corner of commercial finance, with effective costs frequently exceeding 50–100% APR-equivalent once factor rates, origination fees, and short terms are computed honestly.
Revenue-Based Financing Providers
Revenue-based financing (RBF) advances capital against a business’s recurring revenue, repaid as a fixed percentage of monthly receipts until a capped return — typically 1.3x to 2x the advance — is reached. For SaaS companies, e-commerce brands, and service businesses with predictable revenue, RBF offers growth capital without equity dilution, personal guarantees, or the rigidity of fixed daily payments.
Frequently asked questions
What types of lenders are listed on LendLedger?
Hard money and bridge lenders, DSCR rental lenders, fix & flip and ground-up construction lenders, MCA funders, and revenue-based financing providers — seven categories in total. Profiles cover both nationwide platforms and local balance-sheet lenders. According to Mortgage Bankers Association data, non-bank lenders now originate the majority of non-QM residential loans and the vast majority of short-term investor debt.
How are lenders verified on LendLedger?
Curators verify legal entity, operating history, and state licensing where applicable before applying the Verified badge. Ratings and risk flags come exclusively from moderated reviews by counterparties on real deals — lenders cannot pay for placement or review removal. Curator-flagged risk indicators include bait-and-switch pricing, ghosting after commitment, and unresolved defaults.
What are typical interest rates for private lenders?
Rates vary by product: hard money and fix & flip loans typically price at 9–13% plus 1–3 origination points; bridge loans generally run 8–12%; DSCR 30-year loans range from 7–10% depending on leverage and market, per MBA benchmark data. MCA factor rates commonly translate to 40–120%+ APR-equivalent once annualized over the actual repayment term. Always verify a quoted rate against closed-deal reviews on the lender’s profile.
How do private lenders differ from bank lenders?
Private lenders operate outside federal banking regulation, enabling closings in 5–14 days versus the 30–45 days common at banks, flexible asset-based underwriting that bypasses income documentation, and loan structures banks won’t offer — short-term rehab loans, ground-up construction, and merchant cash advances. The tradeoff is higher rates and fewer consumer protections. ATTOM Data Solutions research consistently shows private-lender deal volume rising as bank credit tightens in real estate cycles.
Is LendLedger free to use?
Browsing the directory, category pages, and profile summaries is free with no account. A free account unlocks full review histories, complete lender parameters, and the ability to request warm introductions to verified lenders.
Verified directory for private lending professionals. Built for deal-makers.
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