The Private Money Syndicate is hyper-focused on supporting you, the small business owner, start-up entrepreneur and real estate investor, with fast access to the capital you need to grow your wealth and achieve your dreams.
The Private Money Syndicate is hyper-focused on supporting you, the small business owner, start-up entrepreneur and real estate investor, with fast access to the capital you need to grow your wealth and achieve your dreams.
No problem! Many of our applicants bring on a credit partner with a 650+ credit score. A credit partner, for example, can be a business partner, friend, family member or investor, etc.
Most funding companies take 45 to 90 days attempting to secure capital for their clients. Through the Private Money Syndicate's streamlined process, funding can be obtained in 10 to 21 days. In some cases, we can obtain your funding even faster. Real estate investment loans average 30-45 days from application -to- funding.
The Private Money Syndicate is partnered with lenders who support our process with technology and extensive bank analysis, legal, consultation, research, and development. Our surplus of knowledge comes from this ability to analyze and contrast thousands of applications and the subsequent credit awarded.
It may sound like this is too good to be true; but in reality, the outcome of our program isn't fictitious. It's just the simple result of experience, specialized resources and a great deal of hard work.
Depending on how long you've had your business and your average monthly revenue (if any), we can help you secure small business loans or unsecured lines of credit. We are experts at financing real estate investments and refinancing for residential and commercial properties, land development, new construction. See the Funding & Services Page for details.
We can access funding up to $500M. In 2020, we actually delivered a funding approval for a $5B project. The amount we can get for you specifically depends on a variety of factors. For small business owners, this amount depends on how long you've had your business as well as your average monthly revenue. For startup businesses, the amount depends in part on your credit score and your previous history with lenders. It's highly likely that we can get you more funding than you need. For real estate deals, funding is typically 75% up to 85% of the purchase with 100% of renovation cost covered up to 75% of After Repair Value, (ARV). We also have real estate investor programs offering 100% financing for fix-n-flip projects.
The old fashioned way! Our senior funding advisors have personal relationships with the top small business lenders. When a client gets denied, we may go out of our way to call up lenders if we feel they should take a second look or make an exception.
How you use funding is up to you. Here are some of the more common ways our clients have used their capital in the past: equipment purchases, storefront or real estate purchases, payroll expenses, inventory, and marketing.
Our marketplace is accessible to those who qualify for our small business funding. There is no hard inquiry generated on your credit during the application process or the time of funding. We submit applications to all of the lenders who we know (from experience and using our algorithm) to be your best potential fit. Then we watch as they compete for your business. Lenders often change their terms when they see other lenders offering you a better deal. The lender who wants your business the most will offer you the best terms, and get you a deal that can't be found anywhere else. Apart from the competitiveness driving rates down, lenders offer our clients great terms because we're known for working with reputable business owners who pay back their loan amounts early or on time.
We don't just analyze your business or credit history to procure funding. We also analyze the market in real-time. We know which lenders are bending over backward to meet their quotas, and which ones are being stingy with capital and giving bad rates. We review this information in real-time, and this analysis is a huge part of why we're able to get you more funding at better rates.
We offer business consulting and can help you make smart decisions on how to spend your funding prudently. At the time of funding, we also help you strategize how much you need and your business plan for paying it back, so you're putting yourself in an advantageous position and not taking on more risks than necessary.
It can be if you want it to be! Maybe you need funding just once to cover a real estate purchase or a marketing launch. Or maybe you'll need it every couple of years for an inventory boost or to cover payroll in your off-season. Because we get such great rates for our clients, we do have repeat clients who know they can pay off their loan amount easily and want to use the funds now to strategically grow.
Of course! The Private Money Syndicate process can accommodate all types of businesses.
While it is not mandatory to have an entity created, many banks are more willing to lend to an individual who has put forth the effort to create an LLC or corporation. Another upside of creating an entity is the protection and legitimacy it gives your business.
The benefits of small business or startup funding, as opposed to venture capital or business partnerships, is simple: you own your business outright and you don't have to share the profits. The top reasons why our clients use the Private Money Syndicate is to either grow an existing business or to launch a business that will support them and their families for years to come, while freeing them up from the 9 to 5. Many of our clients are able to immediately make a return on the capital they invest in their business. That's a clear benefit!
The only major ramifications you or your business may face would come from failure to repay lenders.
Small business owners qualify for business funding if they have had their business for over 3 months, have established a business entity, and have monthly revenues in excess of $8,000. Business owners who qualify for this type of funding gain access to our marketplace, where lenders compete for their business and offer them their best possible terms. For startup entrepreneurs who don't qualify, we utilize our network of lenders to access the most amount of funding possible, at the best rates.
Your credit score is the most influential aspect. For startup funding, your credit partner should at least have a credit score of 680 or above. For business funding with two years in operation, your credit score can be as low as 500. Real estate financing requires a 650 minimum FICO Score.
The short answer is no. Even the best banks for small business startup loans award a very small amount of funding per quarter. If you're a small business owner trying to get funding on your own, you're going to have to approach lenders individually and compare the offers. Without the marketplace, they won't be competing for your business, which means you won't get the best terms. As a startup, you also can't handle this on your own, because you won't be able to obtain the amount of funding that you need, and you will miss out on the best rates. Private Money Syndicate Capital can obtain the highest amounts of funding possible, at the lowest rate, often at 0% interest for 15 months or more.
We're a data-driven company and we've developed a proprietary algorithm to analyze a variety of factors: your credit score, your payment history, your pre-existing relationships (whether positive or negative) with all lenders, what funding sources you already have, real-time market analysis into which lenders are offering higher amounts of funding than usual and better rates. Based on all of these factors, we're able to produce the following insights: which lenders are likely to lend to you, your approval amounts for every lender (updated daily, not static) how much you are likely to obtain, and the best order to submit applications to maximize your funding amount and lower your rates.
The minimum requirements for our business funding are there these: In business 3 months or more, monthly average revenue exceeding $3,000, and a personal credit score of at least 680. If you do not meet the credit score requirement, you can use a credit partner in your LLC or corporation.
Asking your friends and family puts stress on you and on them. Getting funding directly from your bank is all but impossible. If you can acquire it, it takes too long to receive (you'll have missed the original opportunity or need). Working alone, you also don't get good rates because you don't have the competitive marketplace in your favor. Compared with other companies who help startups and small business owners acquire funding, we're the only company that offers both types of funding, meaning we can help entrepreneurs get the right type of funding to begin with, instead of putting them in the wrong box or turning them away. There is also no other company that has invested as heavily in data-driven algorithm based funding cycles the way that we have, or a marketplace as large and respected as ours.