THE PRIVATE LENDING RATE DESK / BY MITEY
A considered view of private finance. Explore what providers publish, understand how the loan works, and see the cost beyond the headline.
THE CAPITAL NOTEBOOK
Read the rate.
Understand the structure.
YOUR GOAL FIRST / MITEY
Buying, refinancing or financing a business? Tell us what you want to achieve. Ask MITEY to help you understand the options, costs and next steps worth comparing.
We aim to help you seek competitive terms. Rates and options depend on the provider, product and your circumstances. A request is not a loan application, approval or guaranteed rate. Any provider introduction requires confirmed availability and your permission.
FROM THE SOURCE
Dated research, not live quotes. Starting interest, ranges and historical APRs have different meanings; none is a market-wide average.
Posted annual interest · starting rate · not APR
Investor property; underwriting and geography apply. Headline and FAQ show differing amount/leverage ranges; confirm the specific program.
Posted annual interest · range · not APR
Product table lists FICO 650, up to 90% LTC and 75% ARV. Eligibility and state availability require confirmation.
Posted annual interest · starting rate · not APR
Reviewed table lists credit 600+, at least one year in business and $300,000 annual revenue. Underwriting applies.
FIND THE RIGHT QUESTION
Explore the mechanics, risks and documents before comparing a price.
Purchase, renovate and exit with a sale or refinance.
2 reviewed programs02 / Real estate ↗Short-term capital between acquisition, stabilization and an exit.
1 reviewed programs03 / Real estate ↗Finance an income-producing investment property.
3 reviewed programs04 / Real estate ↗Budget capital from the first draw through completion.
3 reviewed programs05 / Real estate ↗Look at several properties and their shared debt structure.
1 reviewed programs06 / Real estate ↗Separate stabilized cash flow from lease-up or repositioning.
1 reviewed programs07 / Real estate ↗Explore financing for business-use or investment real estate.
Guide · rate coverage open08 / Real estate ↗Understand the capital plan before vertical construction.
Guide · rate coverage open09 / Business capital ↗Match repayment with the equipment’s useful role in the business.
2 reviewed programs10 / Business capital ↗Borrow against an explicitly eligible collateral base.
1 reviewed programs11 / Business capital ↗Turn eligible receivables into cash before collection.
1 reviewed programs12 / Business capital ↗Compare short-term liquidity with the cash flow required to repay it.
Guide · rate coverage open13 / Business capital ↗Plan a facility you can draw and repay.
2 reviewed programs14 / Business capital ↗Evaluate a lump sum with a defined repayment schedule.
1 reviewed programs15 / Specialty ↗Finance stock or a particular order through its cash cycle.
Guide · rate coverage open16 / Specialty ↗Align funding with seasonal operating and asset needs.
Guide · rate coverage open17 / Specialty ↗Connect acquisition debt to sustainable post-close cash flow.
Guide · rate coverage open18 / Specialty ↗Understand repayment linked to receipts or a fixed purchased amount.
Guide · rate coverage openMonthly source reviews are the baseline. Selected changing or promotional pages get a weekly watch. Every record keeps its checked date, next review and source. Missing prices stay missing.
How the desk works ↗CAPITAL IN THE REAL WORLD
Will financing cover mobilization before the first progress payment?
Can the equipment generate cash while preserving working capital?
How do repayment dates line up with customer collection?
Which assets are eligible in the borrowing base?
Does the repayment schedule fit the seasonal sales cycle?
How much cash remains after rent, payroll and debt?
Is the need recurring working capital or a one-time investment?
What happens if the sale or refinance takes longer?
Can principal payments follow the production and sales cycle?
Can stock and receivables support availability through the cycle?
Does the remittance adjust when recurring revenue changes?
Does post-close cash flow cover all acquisition debt?
Not necessarily. Points, credit, leverage, fees, term and prepayment conditions can change the full cost. Compare itemized written quotes over the same holding period.
No. These are dated observations of official pages. A source check is not a rate lock, lender endorsement or confirmation that you qualify.
The reviewed source did not publish a usable numerical rate. Quote-required products stay missing rather than receiving an estimated offer.
No. These use different cost definitions. A factor gives scheduled repayment dollars; APR includes certain fees and timing assumptions. Definitions stay visible in every comparison.