Here’s why more investors are skipping the banks and working with private lenders instead.
Banks are slow. The paperwork is endless. And when you’re trying to move on a deal fast, waiting weeks for an answer just isn’t an option.
That’s why real estate investors are turning to private lenders. It’s faster, more flexible, and built for people who understand how real estate really works. Private lending is often the smarter move from the start.
Let’s take a look at why.
What Is Private Lending?
Private lending is simple: it’s a real estate loan from a private lender—not a big bank. The money comes from individuals or companies that lend based on the value of the deal, not just your credit score or tax returns.
Private real estate loans are typically short-term and built around the value of the deal, giving you more control over structure and speed.
The Advantages Of Private Lending
Here’s a closer look at the key benefits of private lending that make it an increasingly popular alternative to bank loans.
Faster Approval And Funding
Deals move quickly, and so should your funding. With private lending, you can close in days, not weeks. No waiting on endless underwriting or committee meetings.
At Avondale, we’ve helped investors close deals in as little as 72 hours. Because when a good property comes up, you don’t have time to waste.
Flexibility You Won’t Get From A Bank
Private lending gives you room to structure your loan based on what you’re actually trying to do whether that’s a short-term flip, a bridge loan, or funding a value-add property.
You need terms that fit the deal, not the other way around.
Less Paperwork, Fewer Headaches
If you’ve borrowed from a bank before, you already know the drill: pages of documents, redundant forms, and last-minute asks that slow everything down.
Private lending is cleaner. If the deal makes sense, we move forward without dragging you through hoops.
Based On The Asset, Not Just Your Profile
Banks want to see income history, credit scores, and tax returns. Private lenders? We’re focused on the property, the numbers, and your plan to execute.
That’s what makes private lending ideal for self-employed investors, full-time flippers, and anyone working on deals that don’t check all the “bank-friendly” boxes.
More Options For Non-Traditional Properties
Buying a fixer-upper? An auction home? Something mid-rehab? Good luck getting a bank loan for that. Private lenders are built for these deals.
We don’t just look at what the property is today. , we look at what it could be when the work is done.
Direct Access To Decision-Makers
With banks, you’re stuck in the chain of command. One person approves the deal, another reviews it, a third signs off, if they’re in the office that day.
With a private lender vs traditional bank, you’re working directly with the people who make the decision, not waiting on layers of approval.
Real Estate Expertise
Some banks don’t know real estate investing. We do.
We’ve seen hundreds of deals and helped fund all kinds of projects. When you work with a private lender who knows the game, the process gets smoother, the advice gets better, and the results speak for themselves.
Private Lending vs. Bank Loans: A Quick Comparison
This simple chart breaks down the core differences between private lending vs bank loan structures to help you evaluate which is the better fit for your project.
Feature | Private Lending | Traditional Bank Loan |
Speed | Close in days | Close in weeks |
Paperwork | Streamlined | Extensive documentation |
Focus | Based on the property and deal | Based on borrower profile |
Flexibility | Custom structures available | Rigid guidelines |
Property Types | Includes distressed or unique assets | Standard only |
Decision Process | Direct and fast | Multiple layers of review |
Investor Friendly? | Absolutely | Not really |
When Does Private Lending Make Sense?
If you’re still wondering why choose private lending over a traditional loan, the answer often comes down to timing, flexibility, and deal control.
You Need To Move Quickly
If the deal’s hot, you can’t wait three weeks for a yes. Private lending gives you the speed you need to stay competitive.
You’re Buying Something A Bank Won’t Touch
Distressed properties, rehabs, or anything “non-standard” often get denied by banks. Private lenders see the potential and know how to underwrite the upside.
You Don’t Have Time For Bank Bureaucracy
Tax returns, income verification, debt ratios; banks love complexity. Private lenders love deals that make sense. Simple as that.
You Want Control Over How The Loan Is Structured
Need a shorter term? Interest-only payments? Something tailored to your exit strategy? You’ll get a lot more flexibility with a private lender.
Why Investors Work With Avondale
At Avondale Private Lending, we’re built for real estate investors. We know how fast this business moves, and we’ve structured our process to help you move just as fast.
Fast, Reliable Funding
Our approval process is tight, clear, and built to move. We don’t drag our feet and we never leave you guessing.
Straightforward Terms
No fine print, just loan terms that make sense for your deal and your timeline.
Real-World Experience
We speak your language because we’ve been in your shoes. Our team understands deals, timelines, and what it takes to close.
Let’s Talk About Your Next Deal
Private lending is a better fit for investors who value speed, simplicity, and flexibility.
If you’re tired of waiting on banks, jumping through hoops, or losing deals because your lender couldn’t move fast enough, it’s time to look at private lending. The private money lending advantages we’ve outlined above could be exactly what you need to stay ahead.
At Avondale, we make the funding process simple, fast, and tailored to the way you do business.
Get in touch today and see how we can help fund your next investment quickly and clearly.