Private Real Estate Loans
Market Direct Capital connects sponsors with private lenders, family offices, and private equity funds for business-purpose and investment real estate. We focus on speed, clarity, and a documented exit so your project can move forward without delay.
Where private capital fits
Use private bridge or term financing to act on time-sensitive opportunities or to stabilize for a later refinance.
- Acquisition: Competitive closings, partner buyouts, 1031 timing.
- Refinance: Payoff maturities, improve DSCR, or consolidate debt.
- Renovation & value add: CapEx budgets with draws and milestone tracking.
- Lease-up carry: Reserves sized to plan while occupancy ramps.
- Specialty situations: Bridge-to-SBA, rent-replacement, and MCA to SBA transition when appropriate.
Typical structures
Terms vary by property, leverage, experience, and market conditions. Below are common patterns.
- Interest-only: 6 to 36 month bridges with extension options case by case.
- Proceeds: Purchase, payoff, CapEx, interest reserve, and closing costs.
- Security: Subject property first; cross-collateral and junior positions considered case by case.
- Takeout: SBA, bank, DSCR, agency, or sale once performance supports it.
Property types
- Core: Multifamily, industrial, retail, office, mixed-use.
- Operational: Hospitality and self-storage with seasoned operators.
- Special use: Case-by-case review with clear business plan.
Process
We keep documentation concise and aligned to underwriting so decisions arrive quickly.
- Read-out: Share goals, timeline, use of funds, and a quick data set. We confirm fit and next steps.
- Packaging: Executive summary, sources and uses, rent roll or T-12, and CapEx plan if applicable.
- Terming: Coordinate with decision-makers, size reserves, and align on exit.
- Closing: Title, appraisal, legal, and funding logistics with clear communication.
Related programs
- MCA to SBA transition for borrowers under daily or weekly pressure.
- Private non-bank SBA 7(a) for long-term working capital or acquisitions.
- CDC/504 for owner-occupied real estate with fixed-rate second liens.
Quick checklist
- ✔ Property address and type
- ✔ Use of funds and timeline
- ✔ Rent roll and T-12 if available
- ✔ CapEx scope and budget
- ✔ Exit plan and milestones
Advantages of private capital
- Speed: Direct access to decision-makers.
- Flexibility: Structures matched to the plan.
- Clarity: Transparent terms and reserves.