Direct Private & Hard Money Lender · Arizona
Hard money loans that close in days.
We fund real estate investors in Arizona, Texas, North Carolina, Georgia, and Alabama. Apply today, get your quote tomorrow.
*Starting rate and maximum leverage are for qualified transactions and subject to underwriting; actual rate, LTV, and LTC vary by deal, program, and state. Business-purpose loans to entities (LLCs, corporations, LPs) secured by non-owner-occupied real estate only. These are not consumer loans. All loans subject to underwriting and executed documentation. Versara Capital LLC · BK #0944451.
Request your quote
24-hr responseFunded for investors
Projects funded
Quote turnaround
Pick the loan that fits your deal.
Five programs, all underwritten in-house.
*Rate and leverage shown are starting figures for qualified transactions and subject to underwriting. Actual rate, LTV, and LTC vary by deal, program, and state and may change without notice.
Size your flip in 30 seconds.
Enter your numbers. We'll confirm real terms within 24 hours.
Est. max loan
Est. cash needed
Gross spread
Estimates assume up to 85% of total cost, capped at 70% of after-repair value, before fees and closing costs. This is an illustration, not a loan offer or a commitment to lend. Actual terms are set in underwriting and vary by deal and state.
Send These Numbers to a Lender
Why Versara
We approve loans based on the property.
A bank wants two years of paperwork. We want the address, the numbers, and your plan. One team makes the call.
- Bankruptcies, foreclosures, and short sales are all workable. Equity is what we care about
- Applications get read the day they come in
- Select programs fund in as little as 24 hours
- Draws and inspections stay in-house, so your crew never waits on a vendor
- One point of contact from term sheet to payoff
How it works.
Apply online
Three minutes. Tell us the property and the numbers.
Get your quote
A written quote in 24 hours, often faster.
Close & fund
Funding in as little as 24 hours on select programs.
Build & sell
Fast draws, one point of contact through payoff. Then we fund the next one.
Commercial loans, $500K to $5M.
Banks are cutting loan sizes on commercial refis. We fund the difference on apartment and small commercial buildings while you lease up, refinance, or sell.
Loan size band
Terms
Soft quotes
Power-of-sale states
We lend in five states.
Arizona, Texas, North Carolina, Georgia, and Alabama. All five picked because investors do well there.
"Brett and his team are a wealth of knowledge with hard money loans and educating and building the system."Josh Stevenson
"The most knowledgeable option for Hard Money loans, information on hard money and generating Wealth!!"Richard Holloman
"Great company, easy to trust, deal and make it happen, highly recommended!"Karel Salcedo
Brokers & Partners
Your client stays your client.
We never market to your client. Licensed brokers earn lender-paid compensation of 1 to 2 points per funded deal. Anyone without a license who sends us a deal that funds earns a flat $1,000, with no cap. Both are paid at closing.
Is Versara Capital a direct lender or a broker?
A direct lender. We underwrite and fund in-house, which is how applications get reviewed the same day and quoted in 24 hours. There is no third party between you and a decision.
Do I need good credit to qualify?
Credit gets reviewed, but it is not the deciding factor. What matters is the property, your equity, and whether the project pencils. Prior bankruptcies, foreclosures, and short sales will not automatically disqualify you.
What documentation do you need?
The loan application, your entity documents (EIN, Articles of Organization, Operating Agreement), evidence of insurance, and access to the property so we can verify condition.
Who can borrow?
Business entities (LLCs, corporations, and partnerships) borrowing for business or investment purposes, secured by non-owner-occupied real estate. We do not make consumer or owner-occupied loans.
Ready when you are
Get your quote in 24 hours.
Three minutes to apply. An underwriter reads it the same day.
investor projects funded: $100M+ in closed loans.
24hrfrom application to a written quote, on every program.