Fast Approval • Asset-Based Lending

Private Money Lender
Quebec City & Surrounding Areas

Get fast hard money loans for real estate investments in Quebec City. Asset-based lending with approval in 24-48 hours. Competitive rates starting from 8% for bridge loans, construction financing, and commercial real estate projects.

Approval in 24-48 hours
No credit score requirements
Loan-to-value up to 75%
Get Pre-Approved

Quick Numbers

24h
Fast Approval
75%
Max LTV Ratio
8%
Starting Rate
$5M
Max Loan Amount

Quebec City Real Estate Financing Solutions

Explore our private money lending services for various property types in the Greater Quebec City area

Benefits of Private Money Lending in Quebec City

Speed & Efficiency

Approval in 24-48 hours vs. 30-60 days with traditional banks. Faster closing for competitive real estate deals.

Asset-Based Focus

We focus on property value, not just credit scores. Perfect for investors with less-than-perfect credit.

Flexible Terms

Customized loan structures, interest-only payments, balloon payments, and flexible repayment schedules.

Local Expertise

Deep knowledge of Quebec City real estate market. Understanding of local regulations and property values.

Private Money Loan Features & Terms

Loan Amounts & Terms

  • Loan Amounts: $50,000 to $5,000,000
  • Loan-to-Value (LTV): Up to 75% of ARV
  • Term Length: 3 months to 3 years
  • Interest Rates: Starting from 8% (depending on project)

Eligibility & Requirements

  • Property Types: Residential, commercial, industrial, land
  • Credit Score: Not the primary factor (minimum 550)
  • Experience: First-time investors welcome
  • Down Payment: Minimum 25% equity required

Property Types We Finance in Quebec City

Multi-Family Properties

Apartment buildings, duplexes, triplexes, student housing in Quebec City

Commercial Real Estate

Retail spaces, office buildings, warehouses, mixed-use developments

Fix & Flip Projects

Renovation loans for residential properties needing repairs or updates

Construction Loans

Ground-up construction, major renovations, development projects

Serving Quebec City & Surrounding Areas

Greater Quebec City Area Coverage

As a leading private money lender in Quebec City, we serve investors throughout the Greater Quebec City metropolitan area and surrounding regions.

Primary Service Areas:

Quebec City Levis Beauport Charlesbourg Sainte-Foy Cap-Rouge Sillery L'Ancienne-Lorette Saint-Augustin-de-Desmaures Stoneham Lac-Beauport Shannon

Property Markets Covered:

  • Old Quebec (Vieux-Québec)
  • Montcalm Neighborhood
  • Limoilou District
  • Saint-Roch Area

Extended Coverage:

  • Portneuf Region
  • Côte-de-Beaupré
  • Île d'Orléans
  • Lotbinière MRC
Local Market Knowledge: Our expertise in Quebec City's real estate market ensures accurate property valuations and understanding of local regulations.

Frequently Asked Questions - Private Money Lender Quebec City

Get answers to common questions about private money lending and hard money loans in Quebec City

What is the difference between a private money lender and a bank in Quebec City?

Private money lenders in Quebec City differ from traditional banks in several key ways:

  • Speed: Private lenders approve loans in days, not weeks
  • Focus: Asset-based (property value) vs. credit-based
  • Flexibility: Customized terms and creative financing solutions
  • Requirements: Less documentation and lower credit score minimums
  • Property Types: Will finance properties banks often reject
How quickly can I get funding from a private money lender in Quebec City?

The private money lending process in Quebec City typically follows this timeline:

  • Initial Approval: 24-48 hours after application
  • Property Appraisal: 3-5 business days
  • Due Diligence: 5-7 business days
  • Funding: 7-14 days total from application
  • Urgent Cases: Some bridge loans can close in 72 hours

This is significantly faster than traditional banks which take 30-60 days.

What are the typical interest rates for private money loans in Quebec?

Private money loan rates in Quebec City vary based on several factors:

  • Standard Rates: 8% - 12% annually
  • Bridge Loans: 10% - 15% (short-term, higher risk)
  • Construction Loans: 9% - 13%
  • Commercial Properties: 7% - 11%
  • Factors Affecting Rate: LTV ratio, borrower experience, property type, loan term

Rates are typically higher than bank rates but offer speed and flexibility.

What types of properties do Quebec City private lenders finance?

Private money lenders in Quebec City finance a wide range of properties:

  • Residential: Single-family homes, duplexes, triplexes, apartment buildings
  • Commercial: Office buildings, retail spaces, warehouses
  • Industrial: Manufacturing facilities, storage units
  • Special Purpose: Hotels, motels, mixed-use developments
  • Land: Development land, agricultural properties
  • Distressed Properties: Foreclosures, fixer-uppers, properties needing repair
What documentation is required for a private money loan in Quebec?

Private money lenders require less documentation than banks, but typically need:

  • Property Information: Address, photos, purchase agreement
  • Borrower Information: ID, proof of insurance, background check
  • Financial Information: Bank statements, credit report (simplified)
  • Project Details: Renovation plans, contractor bids, timeline
  • Exit Strategy: How you plan to repay the loan (sale, refinance, etc.)

Documentation requirements are streamlined compared to traditional lenders.

Ready to Fund Your Quebec City Real Estate Project?

Fast Approval • Competitive Rates • Local Quebec City Expertise

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