Terms and rates of a private loan
14.0% per year in US dollars, a 24-month term extendable by 12, a USD 50,000 minimum and up to 50% of the appraised value, secured by a guarantee trust. We publish our terms so you can compare them before getting in touch.
Base terms
| Item | Condition |
|---|---|
| Rate | 14.0% per year |
| Currency | US dollars |
| Term | 24 months, extendable by 12 |
| Minimum amount | USD 50,000 |
| Maximum of appraisal | 50% / 40% / 25% by property type |
| Security | Guarantee trust (fideicomiso) |
Why the rate is higher than a bank’s
A bank lends over 20 or 30 years because it takes deposits from the public and studies your ability to pay in detail. Private financing does the opposite: it decides in days, asks for no credit history, and carries its risk on the collateral. That speed and flexibility have a price, and the price is the rate.
The fair comparison is not against a bank rate you do not qualify for, or that will take months, but against the cost of not having the money in time.
What it is typically used for
- Liquidity for a business, without selling the asset behind it.
- Consolidating more expensive debt, such as credit cards or consumer loans.
- Closing a property purchase while a bank loan is still being processed.
- Time-limited opportunities that a bank timeline cannot meet.
Before you commit
A loan secured by real estate puts at stake an asset that probably took years to acquire. Make sure the monthly payment fits your cash flow and that you have a clear way out: the income that will service the loan, a sale of the asset, or refinancing at maturity.