Commercify Capital

Why Use Us

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who we are

Commercify Capital is an established private money lender based in Raleigh, NC

Commercify Capital is an established private money lender based in Raleigh, NC that specializes in small to middle market debt opportunities with a focus in the states of NC, SC, and VA.

Our excellent reputation as a private money lender has been built on our ability to fund deals that others couldn’t. We work hard to provide fast funding solutions to borrowers who have come across financial challenges.

Our Benefits

The Benefits of Working with a Private Money Lender

There are several benefits to working with an experienced Private Money Lender for your loan scenario. When applying for a Private Money Loan, working with an asset-based lender gives you the security needed to take on this high-risk loan.

​One of the main benefits of a private mortgage program is that even if the borrower has poor credit, they can obtain a private money loan using the value of the investment property as collateral.

​A true Private Money Loan or sometimes called hard money loan is an asset-based loan that is based on the value of the collateral – which in this scenario is the investment property. Given that private money loans are based on the value of an investment property (purchase price) rather than the borrower’s credit scores, working with asset-based lending can fund loans for private investors who are unable to get conventional financing or a traditional loan due to a recent foreclosure, bad credit, or short sale. 

Additionally, a private money loan is a great option

Additionally, a private money loan is a great option for anyone from beginner investors with a limited credit history to experienced real estate investors looking to free up liquidity and scale their business.

A private money lender can provide hard money loans on the following loan scenarios: single-family, multi-family, mixed-use, rental property, and commercial-investment properties.

​Working with a Private Money Lender will allow you to have your loan approved in half the time a traditional bank loan takes, with less underwriting and guidelines, giving you the opportunity to quickly purchase high-in-demand investment properties.

The interest rates on an asset-based hard money loan are usually higher than those of conventional mortgages. Interest rates for hard money loans range anywhere from 9.99%-12.99%, and Commercify Capital’s competitive loan programs offer qualified investors some of the best rates in the industry. 

​Hard money lenders typically charge higher interest rates due to the greater risk associated with these loans, and the incredible speed at which they can process and fund transactions.

Private money loans are a very strong tool for investors who need to move quickly. These short term (usually 12-18 months) loans are the perfect opportunity to aid any investor in developing their success.