Bay Private Capital is a family-owned hard money lender for real estate investors. Purchase + rehab, up to $1M, approved in about 24 hours and funded in days. Send us the address and we'll tell you fast.
No endless paperwork, no faceless fund three states away. Just a straight answer from people who know your market.
Give us the address and a few basics. It takes two minutes. We review it the same day.
Approval in about 24 hours, with our in-house appraisal typically done within a day — no waiting on outside firms.
Funding in 3–5 days (sometimes 1–2). We cover purchase plus rehab, and process draws in about a day.
Built for fix-and-flip and rental investors who need to move.
Tell us about the property. We'll get back to you fast — usually the same day.
We'll review your deal and reach out fast, usually the same day.
Need to talk now? Call Ben at 301.802.5576.
Approval is typically about 24 hours, and funding runs 3–5 days — sometimes as fast as 1–2. Because our appraisals are in-house, we're not waiting on an outside firm's schedule.
Most of our loans cover 100% of the purchase price plus rehab funds, so your own cash stays free for the next project. Every deal is underwritten individually.
Maryland, Washington D.C., and Northern Virginia — from Frederick to Ocean City and Loudoun County to St. Mary's. We'll consider projects outside that footprint case-by-case.
Real estate investors doing fix-and-flips or building rentals. These are short-term, business-purpose loans on investment property — not owner-occupied or consumer loans.
Generally $50,000 to $1,000,000, with other amounts considered case-by-case. Terms run up to 12 months.