Private Capital Investors
Private Capital Investors is a commercial real estate finance company with offices in Dallas and Newport Beach, California. It offers short-term hard money, bridge and stated income loans secured by commercial property. Its site calls it a direct lender, and also says it matches borrowers with other capital sources such as banks, insurers and private investors.
What Private Capital Investors offers
- Short-term commercial loans: hard money, bridge and stated income loans on multifamily, office, warehouse, retail and new construction projects.
- Loan size and leverage: as of November 2026, the site lists loans from $1 million to $50 million, at up to 85% of the property’s value.
- Rates and terms: the site advertises rates starting at 5.99%, without saying which deals qualify. The summary lists 1 to 3 year, interest-only terms with no prepayment penalty. The FAQ also mentions 12 to 36 month balloon loans and 3 to 10 year fixed-rate loans.
- Speed: the site says funding takes about two weeks, or 7 to 10 business days once your documents are in.
Who it may suit, and who should look elsewhere
Right for you if:
- You’re buying or repositioning commercial property and need $1 million or more quickly.
- You have a clear plan to refinance or sell before a short, interest-only term ends.
Not right for you if:
- You need a home loan, a personal loan or a small business loan under $1 million.
- You couldn’t cover a large balloon payment if a refinance falls through.
Before you apply
The site does not publish fees or a license number. Ask for a written term sheet that shows the rate, points, exit fees and balloon date, and ask whether the company is funding the loan itself or placing it with another lender. If the building is for your own business, compare the SBA’s 504 loan program, which finances owner-occupied property but not rental investments. The business loans guide covers other options, and the guide on checking a lender’s license explains how to vet a lender.
The company’s main Dallas number is (972) 865-6205, and its office is at 2101 Cedar Springs Road, Suite 1050. The Newport Beach office is at (949) 340-1552.
