Commercial Loan Refinancing in Los Angeles: When Should You Move From a Bank to a Private Lender?

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Commercial loan refinancing documents, calculator, and building plans representing ARC Private Lending’s Los Angeles lending solutions

Unlocking Better Opportunities: Is 2025 the Right Time to Refinance Your Commercial Loan in Los Angeles? Refinancing a commercial loan can feel overwhelming—especially in a changing market like Los Angeles. Rising rates, stricter underwriting, and maturing loans have many investors asking: 👉 “Is now the right time to refinance—and should I use a private lender instead of a bank?” If that sounds familiar, you’re not alone. Many California property owners are navigating expiring mortgages, balloon payments, and financing barriers that didn’t exist when they first acquired their property. That’s where commercial loan refinancing in Los Angeles with a private lender becomes a smart alternative. At…
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The Future of Hard Money Lending: Trends and Predictions

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Hard money lending has long been a valuable financing option for real estate investors who need quick, asset-based loans. As the real estate market continues to evolve, so does the landscape of hard money lending. From technological advancements to shifting borrower expectations, lenders like ARC Private Lending are adapting to meet the demands of a more agile and informed market.  Here’s a look at the key trends shaping the future of hard money lending.   Digitization of the Lending Process One of the most noticeable shifts in the industry is the increased use of digital tools throughout the loan process. Online platforms now allow borrowers…
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Alternative Financing Solutions for Individuals with Non-Traditional Financial Situations

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vision of alternative financing

Securing a loan isn’t always as straightforward as it sounds. For many people, traditional financial systems make it difficult to get the support they need. Whether it’s because of past credit struggles, an unconventional source of income, or properties that fall outside the norm, the bank’s checklist often becomes a barrier instead of a bridge.   Why Traditional Lending Falls Short Banks are in the business of low-risk lending. Their processes are rigid, often built around perfect credit scores, steady employment histories, and well-documented financial records. If a borrower doesn’t match that mold, even slightly, the process becomes difficult. For many, it simply stops altogether….
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How Equity Helps Secure a Hard Money Loan in California

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Wooden blocks stacked to form a staircase, with the word "EQUITY" spelled vertically using black letters on the blocks, against a bright yellow background.

When it comes to securing quick funding for your next project, hard money loans offer the speed and flexibility that traditional loans often can’t match. One of the most important factors lenders consider when approving a hard money loan is the equity in the property. Understanding how equity works and how it impacts your loan approval process is important for anyone looking to leverage this type of financing.    Let’s explore what equity is and why it plays a key role in securing your loan.   What Is Equity?   Equity is the difference between a property’s value and what you owe on it. For…
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The Benefits of Hard Money Loans for Real Estate Investment

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If you’ve ever encountered roadblocks with obtaining traditional bank loans for real estate investments, hard money loans might be the solution you need. These loans are backed by the value of the property itself rather than your credit score or financial history, giving you quicker access to capital. Here are a few key benefits of using hard money loans for your real estate investments. Quick Approval and Fast Funding With traditional lenders, you might spend weeks—or even months—waiting for loan approval. Hard money lenders, on the other hand, approve your loan much faster. This speed can give you an edge in competitive real estate markets,…
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Understanding Non-Owner Occupied Loans: A Simple Guide

Posted by & filed under Hard Money Tips, Private Money Loans.

Most of us concentrate on finding the ideal place to call home when buying a new house. But sometimes you want to buy a property for investment purposes. The financing you receive in this scenario is called a non-owner occupied loan. So, if you want to expand your real estate portfolio, you’ve come to the right place. Keep reading to learn more about non-owner occupied loans and the different types that exist. What Are Non-Owner Occupied Loans? Non-owner occupied loans, also referred to as investment property loans, are financial aid offered by lenders to help you buy homes that aren’t meant to be your permanent…
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What Is the Best Way to Get a Commercial Loan?

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residential owner occupied loans

If you are ready to apply for a commercial loan, you should ensure you know the best ways to get approved for one. You can increase your chances of getting a commercial loan in many ways. Property loans are common, and you should be able to find the guidance you need from realtors. Realtors help many individuals with loans for commercial properties, homes, and properties that need to be flipped to be successful. In 2016 over 6% of homes sold were the result of flipping. This was the highest percentage in 10 years. There are many different types of properties you can invest in. You…
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Unable to Apply For a Loan? Here Are Some Alternatives

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hard money loan requirements

Are you struggling to obtain a loan because of bad credit? You’re not alone. Many people have credit problems at times, and it can be not easy to find a lender willing to work with you. The good news is there are a few alternative options that you can explore. Below are a handful of options if you need a loan but can’t get approved because of bad credit. Private Money Lender One option to consider if you’re struggling to get approved for a loan is a loan from a private money lender. These lenders are typically private investors who specialize in providing loans to…
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What to Do When You are Denied a Loan

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hard money loan

Applying for a loan when you need it and being denied can cause both frustration and anxiety. According to ARC Private Lending, poor credit scores plague nearly 68 million Americans. If you can’t get a conventional loan from a bank, it’s good to know there are alternative lending solutions, including hard money lenders. Hard money lenders can step in and provide a loan when many banks can’t or won’t. Looking for alternative types of financing can help relieve you of your frustration at being denied a loan. Plus, securing the money you need can ease your anxiety and solve your financial challenges. If you’ve been…
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Can You Get a Private Loan With Poor Credit?

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get funding for a hard money loan

Are you stressed out over bad credit, and wonder if you can find some relief? If so, you aren’t alone. According to Fox Business, as many as one-third of Americans share your struggle with poor credit, but the good news is there are options! Getting a private loan is possible with bad credit, depending on where you look. Read further to find out how you can work around poor credit to get funding. 1. What is a Private Loan? A private loan is funding from a non-traditional lender, such as an online lender, or other sources like a family member or friend. It’s typically used…
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