How it works

How Private Lending Works at Moose's Money

Three steps between you and a term sheet — and a straight answer at every one of them. Here's what happens after you send us a deal, and what we look for when we size it up.

Apply for a loan Submit your deal

The process

Three steps between you and a term sheet

1.

Submit your deal

Apply through our lending portal, or fill out our deal submission form — either takes about five minutes. The more detail you give us, the faster we can move.

2.

We size it up

If it fits our lending box, we move straight toward terms. If it doesn't, we package it and put it in front of the network lenders best suited for it.

3.

You get real terms

We bring you actual terms — rate, leverage, points, timeline — and walk you through them so you can decide with clear eyes.

Step 1: Submit your deal — two ways in

Apply through our lending portal if you know your deal and you're ready to move. It's the full application for 1–4 unit residential — fix & flip, ground-up construction, and rentals — and it goes straight into underwriting.

Use the deal submission form if you want us to look at it first: you're not sure which loan fits, the deal has a wrinkle, or it's 5+ unit multifamily or commercial. Bigger deals get our personal attention.

Either one takes about five minutes. The more detail you give us, the faster we can move.

Step 2: We size it up

If the deal fits our lending box, we move straight toward terms. If it doesn't, it doesn't die on our desk: we package it and put it in front of the network lenders best suited for it — lenders who want exactly that asset type and market.

Either way, if the deal isn't fundable as submitted, we'll tell you why, and what would change that.

Step 3: You get real terms

We bring you actual terms — rate, leverage, points, timeline — and walk you through them so you can decide with clear eyes. You'll see every point and fee in writing and sign off before anything moves forward. No surprises at the closing table.

After that it's underwriting, the appraisal, and closing. How fast that goes depends on the deal, the appraisal, and how quickly we get what we need from you. Clean files move faster.

Straight talk

What makes a deal fundable

We'd rather tell you the truth in five minutes than waste two weeks of your time. Here's what we look for, and what you can expect from us.

What we need to see

  • First lien position. The lender's money is secured first — no seconds, no gap funding stacked on top.
  • Real equity in the deal. You have skin in the game. 100% financing requests are a non-starter.
  • Cash reserves. Enough liquidity to carry the project when things take longer than planned — because they usually do.
  • A clear plan. Purchase price, rehab budget, ARV or rents, and an exit that makes sense on paper.

What you'll get from us

  • A straight answer, fast. If your deal isn't fundable, we'll tell you why — and what would change that.
  • Our capital or our network's. If your deal fits our lending box, we fund it. If it doesn't, we place it with a lender who wants exactly that asset type and market.
  • Every fee in writing, upfront. You'll see all points and fees in writing and sign off before anything moves forward. No surprises at the closing table.
  • A long-term funding partner. We're building relationships, not chasing one-off closings.

The ground rules

  • Investment property only. Every loan is business-purpose and non-owner-occupied.
  • Entity borrowers. An LLC or corporation borrows, with a personal guarantee. Our loans are full recourse.
  • Most states, with a few limits. Check where we lend before you send a deal.

Pick a starting point

Got a deal? Get a straight answer.

Apply through our lending portal if you're ready to move, or send us the deal first and we'll tell you what's possible.

Apply for a loan Submit your deal

Prefer email? Reach us at mark@moosesmoney.com