I am a hard money lender focused on speed and certainty. In an environment where traditional banks reject 43% of commercial loan applications and conventional mortgages take weeks to close, real estate investors need alternative capital that moves at market speed.

 

Prosperia Capital Partners provides Fix-and-Flip, Bridge, and DSCR loans to investors who need to close fast. Unlike institutional bureaucracy, we use tech-enabled underwriting to make common-sense lending decisions in 48 hours.

 

Why Private Lending Now:

The private credit market has grown to $2 trillion in 2025, up from $1.75 trillion in 2024. This growth reflects two realities:

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1. Traditional lenders are tightening: Rising interest rates and stricter credit requirements have pushed many qualified investors toward alternative financing.

2. Speed wins deals: In competitive markets, the ability to close in 10 days versus 30 days determines who gets the property.

 

Our Approach:

We combine the responsiveness of private capital with the discipline of institutional underwriting. Every loan is evaluated on asset quality, exit strategy, and borrower track record—not arbitrary credit scores or debt-to-income ratios that miss the real risk picture.

 

We focus on First-Lien positions, ensuring capital preservation while enabling investors to execute on opportunities that banks won't touch: distressed properties, value-add renovations, and time-sensitive acquisitions.

 

Market Positioning:

The hard money sector is seeing strong fundamentals in 2025:

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• House flipping activity remains robust with 74,618 units flipped in Q3 2024

• Fix-and-flip projects averaging 28.7% ROI with $70,250 gross profits

• Sustained demand for bridge financing as housing inventory remains constrained

 

Our focus is on providing certainty and speed to experienced investors who understand their markets and execute well. We're not the cheapest capital—we're the most reliable when timing matters.