Overview
Chicago Private Capital represents the type of locally-rooted private money operator that fills the gap between institutional hard money and bank financing. Relationship-based; deal-by-deal underwriting.
Chicago Private Capital is based in Chicago, IL and was founded in 2015. They operate in Chicago metro and offer fix-and-flip, bridge, private notes, rehab construction financing. Their loan amount range runs from $50K to $2.5M.
Key terms at a glance
| Loan type | Private money / relationship-based |
|---|---|
| Products | fix-and-flip, bridge, private notes, rehab construction |
| Geographic coverage | Chicago metro |
| Loan size | $50K – $2.5M |
| Interest rate range | 10% – 13% |
| Origination points | 1.5 – 4 |
| Max LTV | 70% of ARV |
| Max LTC | 85% of cost |
| Term lengths | 6-18 months |
| Typical close time | 5-10 days typical |
Strengths
- Chicago-only focus
- fast closings
- relationship-based underwriting
Ideal borrower
Chicago investor needing fast close and flexibility
How Chicago Private Capital compares for Chicago investors
For Chicago metro investors specifically, Chicago Private Capital has direct local presence and deep knowledge of Chicago neighborhood dynamics. As a private money operator, their underwriting is relationship-driven — track record and deal-specific characteristics matter more than templated criteria.
Common alternatives in Chicago
- Renovo Financial — Chicago-based, deepest local knowledge
- Kiavi — Tech-forward national leader
- Lima One Capital — Broad product suite, BRRRR-friendly
- Easy Street Capital — STR-DSCR specialist
Chicago Private Capital FAQ
Yes — Chicago Private Capital is based in Chicago, IL and serves Chicago metro. As a private money lender, deal-by-deal underwriting applies.
Chicago Private Capital's indicative rate range is 10%–13% with 1.5–4 points. Pricing depends primarily on funded-deals history, deal leverage, and exit certainty.
Chicago Private Capital's typical minimum loan is $50K, with maximum loan size up to $2.5M.
Chicago Private Capital's typical close timeline is 5-10 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Chicago Private Capital offers fix-and-flip, bridge, private notes, rehab construction financing.
Chicago investor needing fast close and flexibility
This review is an independent directory listing. Hard Money Chicago is not affiliated with Chicago Private Capital. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.