Find the Loan Program that Works For You

EquityMax is one of the most tenured private money lenders in the United States,  lending our own family money for over 30 years.  With the expertise and insight we have accumulated over the years, EquityMax lends this knowledge to each and every deal that comes across our desk.  As a result, the process of obtaining the perfect loan that conforms to your specific real estate transaction has never been easier.

We understand that investors have different goals in today’s market, and that’s why we cater each loan to what you wish to accomplish.  From your very first inquiry, through underwriting and closing, we want to ensure that your loan is perfectly customized to fit the needs of your project, and that it also aligns with the financial parameters of your budget.

When You Work with EquityMax, We’ll Customize a Loan Specifically Tailored For You

Short Or Long Term With No Prepayment Penalty

An EquityMax loan is always a 17-year loan with no prepayment penalty, so long as the borrower makes their monthly payments on time. This gives you, the client, the flexibility to keep the loan as little or as long as you desire, without incurring a penalty when you’re ready to pay off the balance.

Small Loans or Big Loans

Every client that seeks a loan with EquityMax comes with a different level of risk they want to take on. For those that want to work on a smaller project, we offer gross loan amounts as low as $25,000.  For those that want to work on bigger projects, we can offer loan amounts as high as $1mm.

Personal Name, Company, or Land Trust

EquityMax lends on non-primary residences only.  So long as the property is intended for investment and business purposes, we will lend to you as an Individual, a Business Entity (LLC or Corp.) or even a Land Trust. This offers our clients maximum flexibility when choosing how to purchase a property.

No Minimum Credit Score

EquityMax does not have a formal application process. The one and only document we review is your required three-score credit report during the initial onset of our business relationship. Additionally, EquityMax wants to stress that low credit scores and/or poor credit is not necessarily an obstacle to do business with us.  We do not require a minimum credit score, and can offer you a loan regardless of your past credit history.

No Appraisal

Appraisals are costly and time-consuming, wouldn’t you agree?   Instead of a formal appraisal, we’ll order a BPO (Broker Price Opinion) through a local realtor or walk-through inspection as part of our due diligence. This process takes half the time and costs significantly less than standard underwriting guidelines.

Any Property Type

EquityMax will lend on nearly any type of real property that enables our clients to invest across a diverse group of assets.  Single Family, 1-4 multi-units, Condos, and even apartment complexes. We’ll also finance commercial property, and even industrial warehousing.  If the numbers work, EquityMax says yes.

Prequalify Now to Get Started

Loan Programs

Quick Financing for the investor who wants to get in, get out, and move onto the next project.  If you already own a property outright, EquityMax can collateralize that real estate for direct funds to use on your next investment purchase.

  • Flexible LTVs (based on both Purchase Price and ARV)
  • Competitive Rates (Interest-Only and/or Fully Amortized options)
  • Minimal Insurance Requirements (No Wind / Flood / Builder’s Risk required)
  • No Balloon / No Prepayment Penalty
  • Free Comparable Analysis
  • Free Repair Analysis

Hassle-free options for investors who do not meet standard credit qualifications

  • ZERO prequalification financing
  • No Credit Required
  • No Asset Verification, Foreign or Domestic
  • No Personal Guarantee
  • All Residential and Commercial Property considered, including Condos

Tailored loans for investors who invest with their alternative investment accounts

  • Purchase properties through your Self-Directed IRA
  • Unique financing options with no personal guarantee
  • Profits are Tax-Deferred
  • Zero Prequalification or Documentation Required
  • Access to preferred list of real estate-focused custodian servicers

Reliable, guaranteed financing for wholesalers who specialize in the “double closing”

  • Perfect for Wholesalers
  • 100% of funds, including closing costs, financed by Lender
  • No Minimum or Maximum Loan Amounts
  • Title Company-Friendly
  • 1-3 Day Funding
  • For Transactions Under $1mm, starting at 1% of Loan Amount or $1,000, whichever is greater
  • For Transactions Over $1mm, inquire about specific terms

See Where EquityMax Lends

Wherever your next deal may be, EquityMax strives to be your best option.   We have active lending footprints in every major metro market within Florida, Georgia, Tennessee, Texas, the Carolinas, Illinois, to simply name a few.  EquityMax is aggressively financing investment properties nationwide, so please Contact Us to ask if we’re lending in your area.


Prequalify Now to Get Started

What Our Clients Say

November 6, 2016

I have been an investor working with EquityMax for 20 years, and I must say it has been a great and profitable relationship.  EquityMax was able to lend me millions throughout the years even through the Great Recession when all other hard money lenders had no funds.  Currently I have almost thirty rental properties and several rehabs in process, all loans from EquityMax.   From the friendly staff and great advice from Brad and now Greg, EquityMax and their financial programs have been a crucial reason for my success. If you plan properly, and use the wealth of knowledge from both Brad and Greg, you too can have a long-term, and profitable relationship with the professional team at EquityMax.

Frequently Asked Questions

Yes. EquityMax has multiple borrowers with several active loans in our portfolio.

If a borrower approaches us with an updated title commitment and municipal lien/permit search, EquityMax can fund in 24-48 hours.  If a lien search and title commitment have not been ordered, this often takes the municipality and underwriter about 5 working days to complete, at which point we can close within 2 days of receiving these documents.

Our due diligence entails reviewing a borrower’s three-score credit report and performing a BPO.  We do not require review of any financial statements (i.e. tax returns, bank statements, etc..), nor do we require a formal appraisal.  Depending on whether we are in receipt of the lien search and/or title commitment, underwriting can take anywhere from 1-5 days.

Besides our flagship loan programs in Florida, EquityMax also lends throughout the United States. We look forward to competitively financing your deals in Georgia, Alabama, South Carolina, North Carolina, Tennessee, and throughout the rest of the country.