Close Your Deal
in 7 Days.
Chicago’s most trusted private lender for real estate investors. No income docs. All credit scores. 100% of repairs funded. Fix & flip, DSCR, bridge, and commercial loans — IL, IN & WI.
Every Loan Type
Chicago Investors Need
From your first fix-and-flip to a 6-unit DSCR rental portfolio — same-day term sheets, no bank red tape.
Fix & Flip Loans
Purchase + rehab in one loan. We fund 100% of your repair draws so you’re never out of pocket. Perfect for Chicagoland rehabs of any size.
DSCR Rental Loans
Qualify based on property cash flow, not your personal income. Build your rental portfolio without W-2s, tax returns, or bank statements.
Bridge Loans
Fast capital while you wait for a refinance, sale, or long-term loan. Move without missing a deal.
Commercial Loans
Office, retail, mixed-use, and multi-family (5+ units) across Chicago and the Midwest. Fast approvals and local expertise that banks can’t match.
From Application
to Close in 7 Days
Three steps. One local lender. No bank red tape, no surprises.
Apply in 5 Minutes
Submit your deal details — no financials, no tax returns. Tell us the address, purchase price, ARV, and repair budget. We send a same-day term sheet.
Approval & Appraisal
We order a fast appraisal, underwrite the deal (not you), and issue a commitment letter. Your numbers matter more than your credit score.
Close & Fund
Sign at title, get your keys, and we wire the funds. Repair draws released within 48 hours of inspection sign-off. No waiting, no games.
You Probably
Already Qualify
We’ve said yes to investors banks turned down. Here’s what we actually look at.
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?Real estate investment property in IL, IN, or WIResidential, multi-family, mixed-use, or commercial
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?Deal makes sense — strong ARV and rehab planWe underwrite the deal, not your W-2 or bank statements
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?Any credit score consideredPreferred 620+ but we’ve funded lower — tell us your story
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?10% skin in the gameDown payment or equity — we can often structure around this
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?Clear exit strategy — sell, refi, or rentWe need to understand how the loan gets repaid
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?New investors welcomeFirst deal? We’ll walk you through everything start to finish
5 minutes. No credit pull. No commitment. We’ll tell you exactly what you qualify for.
No credit check · No spam · Response within 2 hours
5.0 Stars on Google.
Chicago Investors Trust Us.
Real reviews from real investors who closed deals with Private Capital LLC. See what they say — then start your pre-approval.
“Dan Wynn offered timely and expert advice, and his partner Kele Yang is dynamic and knowledgeable. They guided us through every step of the process. Couldn’t have closed this deal without them.”
“Two banks said no before I called Private Capital. They had a term sheet in my inbox by noon. We closed 8 days later. That Pilsen 3-flat was my biggest profit deal to date — $74K net.”
“I own 11 doors. The DSCR program let me refinance three properties without showing a single tax return. No other lender would touch it. Total game changer for my portfolio growth.”
“My very first real estate deal and they walked me through everything step by step. Closed my Logan Square greystone in 8 days. Already under contract on deal number two. Private Capital is the real deal.”
“Needed a bridge loan in 6 days or the deal was dead. Private Capital made it happen. No income docs, no drama. Dan called me back within the hour and we were at the closing table by Friday.”
“Self-employed with messy tax returns — conventional lenders kept turning me down. Private Capital approved me on the property’s cash flow alone. Closed my South Shore 3-flat in under 2 weeks. Highly recommend.”
Tell Chicago investors.
Your Google review helps other Chicago real estate investors find a lender they can trust. Takes less than 2 minutes — and it means the world to our team.
We Know Chicago.
Every Neighborhood.
From the North Shore to the South Side — plus Indiana and Wisconsin. Local lender. Local knowledge.
Questions Chicago
Investors Ask Us
A Program for
Every Investor
From first-time flippers to seasoned portfolio builders.
- Best available rates
- 75% LTV of purchase + repairs
- 6 months reserves required
- Rehab experience preferred
- Competitive rates
- 70% LTV of purchase + repairs
- 3 months reserves
- 1–3 deals experience
- All credit scores welcome
- 65% LTV of purchase + repairs
- Rehab funds escrowed
- BK & short sale OK
Ready to move fast?
Your Next Deal Won’t Wait.
Neither Will We.
Submit your deal and get a same-day term sheet from Chicago’s fastest hard money lender. No credit pull. No commitment.