Private Money Lender in Aspen, CO

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Private Lending for Hard Money Loan Programs in Aspen, Colorado

Do you want to invest in real estate in Aspen? To take advantage of the many amazing business opportunities available, you need a reliable source of capital.

Capital Fund 1 is here to meet your hard money lending needs. With years of experience under our belts, we can offer competitive terms, quality service, and financing programs that complement your business goals. In as little as 24 hours, you can have the funds to close your deal.

Find the Right Program

As competitive commercial hard money lenders in Aspen, we offer a variety of loan programs, each with its own benefits. When you schedule a consultation, our team can help you figure out which best fits your needs:

Use Funds at Your Discretion

Investment property loans aren’t just for buying buildings. You can use funds in a variety of ways:

Renovations and repair


Land Acquisition and Development


Construction of commercial or residential buildings


You can also use equity from a building you currently own to purchase a new property by pursuing a cash-out refinance. The flexibility of these loans means that you can use capital as you see fit, not how a bank says you must.

Skip the Paperwork

Applications for traditional mortgages have a lot of red tape, which means more work for you. Banks want to review your credit history, your financial statements, and stacks of other paperwork before giving you a decision. If you have any complications in the past, the answer will probably be “no.”

In contrast, hard money loans are underwritten based on property value. That means that even if you haven’t built up a credit history or yours isn’t ideal, you may still be able to get the funds you need.

Get Cash Fast

Because hard money loans aren’t contingent on credit, we can get cash to you faster than a traditional mortgage. In fact, we can dispense funds within a day in certain circumstances.

When you’re vying for sought-after property, that can make all the difference — most sellers are happy to make a deal with a buyer who has the funds on-hand. You may also be able to use your cash to get more favorable terms during the deal.

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How Do Hard Money Loans Work?

The underwriting process differs from lender to lender. Most hard money lenders look at applications individually and offer funds on a case by case basis. The amount an applicant receives is based on a loan-to-value ratio set by the lender. For an LTV of 50%, the loan amount will be half of the value of whatever assets are used for collateral. Capital Fund 1 made the process even easier with a three-step process for securing a loan.

SUBMIT A SIGNED PURCHASE CONTRACT

UNDERWRITE
LOAN

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LOAN
FUNDED

Capital Fund 1 makes it fast and simple for you to secure a hard money loan for construction, commercial projects, land and lot transactions, and fix and flip projects. Some loans may be approved and funded in as little as 24 hours with no credit check or tax information required.

Submit Your Application Today

Capital Fund 1 is proud to lend in Aspen and other areas of Colorado. We’re dedicated to providing the best customer service and most reliable funding for each and every client. For more information, give us a call at (480) 889-6100 or contact us online.

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Most Loans Have a 24-Hour Turnaround

We know how stressful it can be to wait for an answer while a great home deal is slipping away. That’s why our simple three-step process is designed to get you an answer in less than 24 hours. All of our fix-and-flip loans are asset-based and do not require a standard credit check or income verification. This cuts down on the time it takes for us to review your loan application and get you an answer.

Your Loan is Approved – Now What?

Once you’ve been approved for a loan through Capital Fund 1, you will be furnished with a letter of funding. This is your ticket to trustee’s sales, auctions, and more. Many companies require proof of funding before you can even make an offer on properties that you’re interested in as a means of keeping people from blocking other investors out of the market. Sellers want to be sure that once you’ve placed your bid, you’re serious about buying, and your letter of approval from us proves that you have what it takes to close the deal.