Put Your Capital to Work Alongside Proven Cash Offer
We work with private lenders to fund select residential acquisitions and renovations across South Carolina and Georgia. Each opportunity is presented deal by deal, with the property, business plan, collateral, proposed loan terms, and exit strategy disclosed before you commit capital.
*Private-lending terms are set for each opportunity. Rate, term, lien position, collateral, and repayment structure vary by transaction and are agreed in writing before funding. Returns are not guaranteed.
What Is Private Lending?
Private lending is a direct loan from an individual or entity to a real estate operator. Instead of a bank providing acquisition or renovation capital, a private lender funds the transaction under written loan documents and earns interest according to the agreed terms.
Real Property Collateral
Loans are structured around a specific property and may be secured by a recorded mortgage, deed of trust, or other permitted real-estate security instrument depending on the state and transaction.
Terms Set Up Front
Before funding, you review the proposed principal amount, interest rate, maturity, payment structure, collateral, project budget, and exit strategy.
Shorter Project Cycles
Many acquisition-and-renovation loans are designed around a 6–12 month project cycle, though actual timing depends on the specific property and business plan.
Direct Relationship
You communicate directly with the operator rather than investing through a blind pooled fund. You can evaluate each opportunity before deciding whether to participate.
Documented at Closing
Loan documents are prepared for the transaction and funding is coordinated through the closing process. The exact documentation and lien position are deal specific.
Local Market Focus
Proven Cash Offer focuses on markets where we actively source, underwrite, renovate, and sell residential property in South Carolina and Georgia.
A Deal-by-Deal Process
No capital is committed simply by speaking with us. The process begins with an introduction and moves forward only when a specific opportunity and its terms make sense to both sides.
Introduction Call
We discuss your goals, available capital, time horizon, and the types of real-estate loans you are comfortable evaluating.
Deal Presented
For a suitable property, we share the address, purchase price, renovation budget, estimated value, business plan, proposed loan amount, and exit strategy.
Terms Reviewed
You review the proposed interest rate, maturity, collateral, lien position, payment schedule, and closing documents before agreeing to anything.
Funds to Closing
When both sides agree, funding is coordinated through the closing process rather than paid informally outside the transaction.
Project Executes
We acquire and execute the stated property plan while keeping the lender informed about material project developments.
Repayment
Principal and accrued interest are repaid according to the note, commonly at sale or refinance. Any lien release is handled through the appropriate closing or recording process.
What You Review Before Funding
Private lending should be evaluated as a loan, not as a savings account. Every deal has its own risk profile and documents.
| Item | What You See | Why It Matters |
|---|---|---|
| Property | Address, condition, acquisition basis | You know the specific real estate connected to the loan. |
| Project Budget | Purchase, renovation, holding and selling assumptions | Shows how much total capital the plan requires. |
| Proposed Collateral | Mortgage/deed of trust and proposed lien position | Defines your legal security in the transaction. |
| Loan Terms | Principal, interest rate, maturity and payment structure | Sets the economics of the loan in writing. |
| Exit Strategy | Resale, refinance, or other disclosed repayment plan | Explains the expected source of repayment. |
| Risk Factors | Renovation, market, title, insurance and timing considerations | Helps you evaluate whether the opportunity fits your risk tolerance. |
Private Lending Can Make Sense for the Right Capital
It is generally better suited to capital that does not need to remain immediately liquid and to lenders who are comfortable reviewing individual real-estate transactions.
Private Lending Questions
What return can I expect?
Return terms are negotiated for each opportunity and depend on the specific transaction, property, collateral, leverage, lien position, term, and project plan. The proposed rate and repayment structure are disclosed and agreed in writing before funding. No return is guaranteed.
How long is the money committed?
Many project loans are structured for approximately 6–12 months, but the exact maturity is stated in the loan documents. Real estate projects can take longer than expected, so lenders should use capital they do not need immediate access to.
How is the loan secured?
The proposed security is disclosed before funding and may include a recorded mortgage or deed of trust against the property. Lien position and all other collateral terms vary by deal and should be confirmed in the final closing documents.
Is this the same as investing in a fund?
No. Our private lending relationships are structured as direct, deal-specific loans rather than a blind pooled investment fund. This page is educational and is not an offer to sell a security.
Can I use retirement funds?
Some investors use self-directed retirement accounts for permitted real-estate lending. Rules can be complex, so you should speak with a qualified custodian, tax professional, and legal advisor before using retirement assets.
Interested in Future Lending Opportunities?
Reach out directly to learn how the process works and what information we provide when a potential lending opportunity becomes available.