Private Money Financing & Hard Money Lending

Get FinancingPartner Programs

First Capital Trust Deeds is your partner for residential and commercial private money and hard money lending, providing service and support you can trust. We provide loan programs throughout the United States.

Loan Programs

Bridge Loans

Loans for quick cash transactions or repositioning of debt.

Fix & Flip Loans

High-leverage, low-cost private money financing for rehabbing and reselling a property.

Commercial Loans

Private money and institutional portfolio real estate loans for commercial properties.

Second Mortgages

Private money financing for second and third mortgages in California.


Financing for ground-up and partially completed projects.

Rental Property Loans

Private money and institutional financing to improve your return on investment.

Luxury Home Loans

Private money financing for high-end luxury properties.

Owner Occupied Loans

A solution to meet your financing needs on your primary residence.

Blanket Loans

Consolidate holdings into a single multi-property blanket loan.

The FCTD Advantage

No Obligation Quote

Getting pre-qualified is fast, easy, and free. If your loan scenario falls within our lending parameters we’ll start the loan process in less than 24 hours.


Variety of Lenders

FCTD can quickly determine how to fund your loan, either with an investment fund, family office, private individual, or with our own capital.

Principal Involvement

When you finance through FCTD you’ll work directly with one of our experienced principals every step of the way.


Easy Paperwork

No complicated forms or unnecessary paperwork — our approach to underwriting is straightforward and easy to understand.


Creative & Experienced

With over 45 years of combined experience, we know how to find funding options for complicated loan scenarios.


Low Rates & Fees

We work to ensure that you get the best overall terms for your unique loan scenario.