Fix & flip
Purchase and renovation capital for experienced real estate investors.
Discuss a scenario →Get funding without the bank.
Unlock access to private money for urgent business demands, real estate projects, and opportunities that cannot wait for a conventional loan process.
Licensed Mortgage Brokerage
NMLS 2455781 · CA DRE 01527662
Capital for real estate that needs a practical answer.
Private lending is useful when the opportunity is clear but the timing, property, documentation, or business plan does not fit neatly inside a bank’s box.
Bridge loans
Short-term financing when timing, flexibility, or an unusual scenario matters.
Discuss a scenario →
Land & construction
Interim capital for acquisition, development, and construction needs.
Discuss a scenario →
Cash-out refinance
Access equity in real estate for a documented business purpose.
Discuss a scenario →Social Capital works when banks don't.
Tell us what you are buying, refinancing, building, or solving. We evaluate the complete scenario and respond with a direct view of whether it fits.
Fast
Focused diligence and direct communication support time-sensitive closings.
Flexible
Structures can reflect the property, business purpose, equity, and exit strategy.
Responsive
You can speak with people who understand the transaction—not a call center.
What happens next
- 01Share the scenario
Property, requested amount, purpose, timeline, and exit.
- 02Review the fit
We assess the property and the complete business story.
- 03Confirm terms
If it fits, we outline the proposed structure and requirements.
- 04Close the loan
Valuation, title, escrow, documents, and funding come together.
A mortgage professional you can call.
Berek Waldman founded Social Capital after more than 15 years in real estate and private lending. As a third-generation mortgage broker and private lender, he built the company around direct relationships and practical execution.
“A borrower should be able to explain their situation to someone who's seen everything, and get a clear answer.”Contact Social Capital →
Facing a deadline?
Foreclosure, an expiring purchase contract, a payoff demand, or another urgent business need deserves a focused review now.
Request urgent review
Submitting a request does not guarantee funding or stop a foreclosure proceeding.
Common borrower questions.
Private financing is different from a conventional mortgage, but it should not be mysterious.
What is private or hard-money lending?+
It is real estate financing provided outside a traditional bank process. Decisions emphasize the property, equity, plan, and path to repayment.
What kinds of property do you finance?+
Social Capital considers residential, multifamily, commercial, land, and construction scenarios. Every request is evaluated individually.
How quickly can a loan close?+
A well-prepared request can often close in 5–7 business days. Timing depends on valuation, title, escrow, documentation, and the specifics of the transaction.
Do I need perfect credit?+
No. Credit is one part of the file, but private lending can accommodate circumstances that do not fit conventional bank guidelines.
Can you help with a foreclosure deadline?+
Potentially. Time-sensitive requests need immediate review, a realistic payoff path, and enough time for title, valuation, and closing work.
Have a live scenario?
Start with the property, amount, purpose, and timing. We will tell you what else we need.