Private Money Solutions

What Private Money Solutions does

Private Money Solutions (PMS) is a direct private hard money lender founded in 2001 and headquartered in Los Angeles/West Hollywood, California. The firm originates short-term, asset-based bridge loans on California real estate, serving real estate investors and property owners who require speed, flexibility, or financing that depository institutions decline to provide. As a direct lender operating its own capital (rather than a broker intermediating third-party funds), PMS controls pricing, underwriting, and closing timelines end-to-end.

PMS offers a focused hard money product set covering purchases, refinances, cash-out refinances, and lines of credit. Loan sizes range from $300,000 to $15 million, with a stated sweet spot of $1M to $10M, priced at 9.99% for first-position liens and 11.99% for second-position liens, plus origination points of 1.5 (first) and 2.5 (second). Underwriting centers on property equity with loan-to-value up to 80% for purchase and 70% for refinance, and terms of 12, 18, or 24 months. Closings are targeted at 5–10 business days, reflecting the firm's speed-as-a-service positioning. The operational footprint is intentionally California-only, concentrating underwriting and execution expertise in a single state. Since inception, PMS has cumulatively funded more than $3 billion in loans and currently services a portfolio exceeding $450 million under management.

The business model is dual-revenue: gross interest income on loans held on the balance sheet (or funded via pooled investor capital), plus upfront origination points on each new loan. Customer acquisition is direct-to-borrower through phone, text, and email — there is no mobile application, broker portal, or programmatic digital onboarding layer, and no AI, automation, or data platform is disclosed. The team is reported at 1–10 employees, led by founder Alex Guralnik as President and CEO, indicating a founder-led boutique operation that prioritizes relationship-based origination over scaled, technology-mediated distribution.

Name

Private Money Solutions

Legal name

Private Money Solutions

Website

https://pmshardmoney.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Private Money Solutions is a California-based direct hard money lender founded in 2001, providing short-term real estate bridge loans of $300K to $15M to California real estate investors and property owners.

Ownership category

akta.pro rank

Product category

Hard Money Lending

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

akta.pro secondary industry

Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

Keywords

• Hard money lending
• Private mortgage loans
• Real estate lending
• Bridge financing
• Asset-based lending

Headquarters

HQ city

West Hollywood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Interest Income: Primary revenue from interest charged on hard money loans. Loans carry interest rates starting at 9.99% for 1st position and 11.99% for 2nd position, with loan amounts ranging from $300K to $15M and preferred sweet spot of $1M-$10M.
2. Origination Points: One-time origination fees charged at closing, calculated in points (percentage of loan amount). First position loans start at 1.5 points; second position loans start at 2.5 points. This is a non-recurring fee collected upfront at loan funding.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Private Money Solutions is a direct hard money lender that originates mortgage loans secured by real estate property equity rather than borrower creditworthiness. The company provides purchase, refinance, cash out, and line of credit loans on residential, commercial, and owner-occupied business-purpose properties in California, closing transactions in 5-10 days with no upfront fees.

Product overview

Private Money Solutions (PMS) is a direct hard money lender in California offering private mortgage loans based on property equity. The product portfolio consists of hard money loans as the core offering, supplemented by purchase financing, refinance loans, cash-out loans, and lines of credit. All products are delivered directly without broker intermediation and support residential, commercial, and owner-occupied business-purpose properties across 1st, 2nd, and 3rd lien positions. The company targets loan amounts from $300K to $15M with terms of 12, 18, or 24 months and funds loans within 5-10 business days.

Differentiator

Problem solved

Functional benefit

Products and services

• Hard Money Purchase Loan A short-term, asset-based mortgage loan used by real estate investors and business purpose borrowers to acquire residential, commercial, or owner-occupied business-purpose properties in California, with closing in 5-10 days and no upfront fees.
• Hard Money Refinance Loan Asset-based refinance loan that allows California property owners and real estate investors to replace an existing mortgage using property equity as the primary qualification, executed in 5-10 days.
• Hard Money Cash Out Loan Equity-based loan that lets borrowers extract cash from their California real estate based on property value, with no minimum credit score requirement and rapid 5-10 day closings.
• Hard Money Line of Credit Revolving credit facility secured by California real estate equity, designed for real estate investors and business purpose borrowers needing flexible, on-demand access to capital.

Quantifiable outcome

• Over $3 Billion funded since 2001
• +4 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Kiavi (formerly LendingHome): Tech-enabled direct hard money lender for real estate investors, providing bridge and rental loans. Direct competitor on the same hard money product set with a more digital delivery model, competing for the same real estate investor customer base.
• Lima One Capital: Direct hard money lender focused on residential real estate investor financing, including fix-and-flip, rental, and new construction loans. Competes head-to-head on speed, equity-based underwriting, and similar loan sizes to PMS.
• Anchor Loans: California-based direct hard money lender focused on residential fix-and-flip and rental property financing. Operates in the same California geography, targets the same real estate investor and broker channels, and offers similar short-term, equity-based loan products from $50K to $2M+.
• Visio Financial: Direct private money lender offering bridge, construction, and rental loans to real estate investors. Closely comparable product set and target customer to PMS, with overlap on loan-to-value and term structure.
• LendingOne: Direct private money lender offering fix-and-flip, rental, and new construction loans up to $3M+ for real estate investors. Closely mirrors PMS's equity-based, fast-closing model and similar customer segments across multiple states.
• RCN Capital: Direct private money lender for real estate investors nationwide, offering fix-and-flip, rental, and new construction loans. Overlaps with PMS on product structure, customer type, and rapid close model, with multi-state geographic reach.

Broad incumbents

• CoreVest Finance: Direct private lender focused on residential real estate investors (single-family rental and fix-and-flip). Operates a larger institutional-grade platform offering similar bridge financing but with broader scale and infrastructure than PMS.

Emerging players

• Groundfloor: Real estate debt platform funding short-term loans to fix-and-flip investors. Comparable product (short-duration, high-yield real estate-secured loans) and similar investor customer, but with a crowdfunding origination model rather than a balance-sheet direct lender approach.
• Patch of Land: Real estate lending platform using crowdfunding to fund fix-and-flip and rental loans. Comparable in borrower segment and product (private money bridge loans) but different distribution/funding mechanism.

Regional players

• AHP Servicing (AHP Financing): California-based private money lender providing bridge and fix-and-flip loans to real estate investors. Operates in the same geography with an identical equity-based, fast-close model, making it a same-market peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/PMShardmoney
• LinkedInlinkedin.com/company/private-money-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Private Money Solutions