National Hard Money Lenders
818 Capital vs the national online hard money lenders.
The big online lenders industrialized hard money. Fast forms, call centers, and a production line for your file. It works until your deal needs judgment. Here is where the two models separate, in the order you will feel it.
Direct private lender · 110 Wall Street, New York · Licensed in 48 states · NMLS #2832335 · Equal Housing Lender
An operator reads your deal here.
Call a national lender about a fix and flip and your file lands with an analyst who may be two years out of school and may never have purchased a property, renovated one, or carried a construction draw through a bad month. They are not underwriting your deal. They are checking it against a box.
We underwrite the other way. The person reading your deal has bought, renovated, refinanced, and exited the same asset types we lend on, and has seen deals go right and go wrong in every market since. That experience shows up in the structure: where the budget is thin, where the timeline is optimistic, where the exit needs a second path. You get it before you close, when it can still change the outcome.
“Tried and tested beats read-about-it. Your deal gets the operator, not the queue.”
Product visuals are illustrative. Walk through the live Dealroom tour for the real thing.
Stay in the loop without chasing anyone.
With most lenders, status is something you extract: calls, texts, voicemails, a processor who will get back to you. With us, status is something you already have. Every deal runs through the 818 Dealroom, and Ai8, the intelligence layer inside it, keeps the record current for everyone in the transaction.
- ✓Every update we share lands in your Dealroom the moment the file moves: appraisal in, insurance approved, conditions cleared, draw released.
- ✓Message the deal, not a person’s inbox. The conversation stays attached to the transaction, so nothing gets lost in a thread.
- ✓Reports on demand. Pull the current state of your deal, documents, conditions, and timeline whenever you want them, without asking us first.
- ✓Role-aware access. You see your deal completely. You never see anyone else’s, and nobody outside your deal sees yours.
Product visuals are illustrative. Walk through the live Dealroom tour for the real thing.
Ai8: the intelligence layer inside the 818 Dealroom.
Walk through the Dealroom →Before you buy, during your hold, before you exit.
A loan is a position in a market, and the market does not stop moving on your closing date. We watch it with you across the whole hold.
Before you buy
Rate, rent, and comp context on the deal you are pricing, so the basis is defensible on day one.
During your hold
What changed around your asset and what it means for budget, timeline, and refinance windows.
Before you exit
Where demand, rates, and the debt on your next move stand, so you sell, refinance, or trade on information instead of instinct.
Product visuals are illustrative. Walk through the live Dealroom tour for the real thing.
How we compare, side by side.
| National online lenders | 818 Capital | |
|---|---|---|
| Who reads your deal | An analyst against a checklist | An operator with active sponsor history |
| Getting an update | You call and wait on hold | Pushed to you in the Dealroom |
| Reports on your deal | On request | On demand in the Dealroom |
| Market insight | Not offered | Before you buy, during your hold, before you exit |
| Structuring | If it fits the box | Built to the deal, options explained |
| After the wire | A servicing 800 number | The same people, the same room |
Columns describe typical experiences with each lender category, not any specific company.
What you cannot put a price on.
The national shops will sometimes beat us by a quarter point. We will sometimes beat them. That contest is noise compared to what decides your outcome: whether the person underwriting has done this, whether you can see your deal move, and whether anyone is watching the market between your purchase and your exit. Operators have closed bridge loans with us in 14 to 21 days when title and insurance moved quickly, and they came back for the next deal because of everything around the closing, not the coupon.
818 Capital Partners · 110 Wall Street, New York, NY 10005 · NMLS #2832335 · Equal Housing Lender
Common questions.
Is 818 Capital a direct lender or a broker?
818 Capital is a direct private lender. We fund fix and flip and bridge loans from our own balance sheet and close DSCR loans in our own name. We also run a placement desk: when a scenario is better served by another program, we place it, and the term sheet tells you which execution you are getting.
How fast can 818 close?
Operators have closed bridge loans with us in 14 to 21 days when title and insurance moved quickly. Every timeline is indicative until underwriting and third-party items are complete.
Will I actually talk to the person underwriting my deal?
Yes. The person quoting your deal can structure it and explain it, and you can reach them directly. There is no call queue between you and the decision.
What does a quote cost?
Nothing. Send us the scenario and we will run the numbers.