Our loan approval process is built for speed, enabling rapid underwriting and decisive funding to help you close with confidence.
From origination and underwriting to funding and servicing, we manage every step internally—ensuring speed, consistency, and accountability from start to finish. We stay with you throughout the life of the loan.
We fund loans with our own capital and manage the entire process in-house—from underwriting and processing to servicing. That control allows us to deliver consistent, reliable funding without third-party delays, giving borrowers certainty from approval through payoff.
• Up to 100% of Purchase & 100% of Rehab
• $100,000-$2,000,000
• Real Estate Investor Business Purpose Only
• Interest Only
• SFR 1-4
• No Prepay
• CA Only
• Up to 80% Loan to Cost
• Up to 70% of Stabilized Value
• $100,000 – $1,500,000
• Real Estate Investor Business Purpose Only
• 12-24 months
• Interest Only
• SFR 1-4, Multi Family
• CA Only
• Up to 75% of As Is Value
• $100,000 – $2,000,000
• Real Estate Investor Business Purpose Only
• Interest Only
• SFR 1-4, Multi Family
• Nationwide
• Up to 70% of As Is Value
• $100,000 – $1,500,000
• Real Estate Investor Business Purpose Only
• Interest Only
• SFR 1-4
• No Prepay
• CA Only
With over $1 billion funded and over 500 Flips; The team at ZINC stands among California’s largest private lenders for residential real estate investors. Leveraging data and technology, ZINC delivers a faster, more reliable path to its own capital, as a true balance sheet lender, so investors can scale with confidence. The family of ZINC entities is strategically aligned and focused on revitalizing California’s aging $1.8 billion housing stock—creating move-in-ready homes and quality rentals throughout our state.
ZINC delivers competitive terms, a fast tech-driven experience, and seasoned industry support. Powered by people right here in Central California, data and innovative nancing programs, we help you make smarter decisions, close deals faster, and unlock the full potential of your investment strategy.
Unlike conventional bank loans, private or hard money loans are driven primarily by the value of the property serving as
collateral—not just your personal nancial pro le. While rates are higher, these loans appeal to real estate investors because they
close quickly, o er exible terms, and can be paid o early to reduce costs and accelerate growth without prepayment penalties.
Key advantages include:
Start by applying online. If approved, you'll receive your personalized term sheet within minutes. Just answer a few quick questions about your experience and the property you’re looking to purchase or nance, and we’ll generate customized estimated term sheet so you can select the best loan option. While we don’t issue formal pre-approvals, you will receive a pre-quali cation term sheet once your application is submitted, with expected closing within 7-10 days after we have all deliverables from 3rd parties and the borrower.
No, with the exception of any 3rd party related items speci c to your loan like an appraisal, or feasibility study.
Typically, loans within our ZINC COMMUNITY, comprising 11+ counties across central California, do not require appraisals. Appraisal requirements vary depending on your nancing needs within other geographical regions.
We’re committed to full transparency, and all fees are collected at closing. There’s no application fee, and your origination fee is simply based on the nal loan amount and is clearly outlined on your term sheet.
No. We lend to business entities and individuals
ZINC provides single-asset bridge and rental loans for single-family homes, 2–4-unit properties, permanent foundation manufactured homes, and PUDs (attached or detached). Currently, we do not lend on mixed-use, commercial, mobile homes, properties with non-conforming neighborhoods, or rural/agricultural properties
ZINC offers both bridge and rental loans for purchases or renances. A bridge loan is a short-term option for investors who want to nance the purchase and/or renovation of a property instead of paying cash or using a traditional bank loan. These loans are ideal for x-and- ip projects or for properties that will later be renanced into a rental loan. A rental loan is designed for buy-and-hold investors purchasing turn-key, livable properties to generate passive income.
Yes, Yes, and Yes.