WestPac Lending's Private Money Loans

What Is Private Money Lending?

Private money lending is a form of real estate financing funded through private capital rather than traditional banks or institutional lenders.

According to WestPac Lending, private money loans prioritize the property, equity, and exit strategy over tax returns, W-2s, or lengthy approval timelines. This makes them ideal for time-sensitive or non-traditional transactions.

Private money is often used as a bridge, providing fast access to capital until long-term financing or a sale is completed.

How Do Private Money Loans Work?

Private money loans are structured differently than conventional mortgages. Instead of focusing on borrower income alone, WestPac Lending evaluates:

• • Property value and condition

  • Loan-to-value or loan-to-cost

  • Deal structure and exit strategy

  • Investor experience (when applicable)

Because underwriting is streamlined, approvals and closings move significantly faster than bank financing.

These loans are typically:

• • Short-term

  • Interest-only

  • Designed for speed and flexibility

Who Uses Private Money Loans?

Private money financing is commonly used by:

• • Fix-and-flip investors

  • Bridge loan borrowers

  • Buyers purchasing distressed or non-warrantable properties

  • Investors needing fast closings

  • Borrowers transitioning between properties or loan types

WestPac Lending works with both experienced and newer investors, helping structure deals that align with realistic timelines and exit plans.

Private Money vs. Hard Money – What’s the Difference?

These terms are often used interchangeably, but there are key distinctions.

Private money loans through WestPac Lending are typically more flexible than traditional hard money programs. While both prioritize asset-based lending, private money often allows:

• • More customized loan structures

  • Fewer rigid guidelines

  • Greater flexibility on property type and borrower profile

Hard money loans are often standardized products. Private money loans are often deal-specific.

Common Uses for Private Money Financing

Private money loans through WestPac Lending are frequently used for:

• • Fix-and-flip acquisitions

  • Bridge financing between purchases or refinances

  • Properties needing renovation before qualifying for long-term financing

  • Auctions and off-market opportunities

  • Business-purpose real estate transactions

Why Investors Choose WestPac Lending for Private Money Loans

Private money lending requires more than capital, it requires execution.

WestPac Lending stands out because we offer:

• • Fast underwriting and closings

  • Investor-focused loan structuring

  • Flexible documentation requirements

  • Experience with complex real estate scenarios

  • Direct communication throughout the transaction

Our team understands how quickly deals move and how costly delays can be.

What to Expect When Applying for a Private Money Loan

When working with WestPac Lending, the process is straightforward:

1. 1. Initial deal review and property details

   2. Loan structure discussion

   3. Valuation and underwriting

   4. Clear terms and timeline to closing

Our goal is to provide clarity early so you can move forward with confidence.

Private Money Loans in California and Beyond

WestPac Lending provides private money financing for real estate investors, with a strong focus on California markets and select additional states.

Loan availability may vary by location, property type, and transaction structure.

Is a Private Money Loan Right for Your Deal?

Private money loans aren’t designed for every situation, but when speed and flexibility matter, they can be the right solution.

If you’re evaluating a purchase, refinance, or short-term opportunity and need answers quickly, WestPac Lending can help assess whether private money financing fits your strategy.