Since 2006, ZINC Financial has distinguished itself by financing billions in private money transactions. Unlike 98% of private money lenders, ZINC is a TRUE REAL LENDER with its own FUND, balance sheeting its own loans. This means we make our own decisions right here in our corporate office. We specialize in fix-and-flip, rehab-and-rent, bridge, and ground-up construction loans, empowering investors to leverage their capital for maximum ROI and profits. Because we are supported by our own fund, you are not subject to capital market buyers or unrelated party underwriting. We make all decisions in-house, from origination to servicing, fund control, and more. We also exception our own underwriting, allowing us to customize underwriting to meet borrower specific needs; other lenders lack this ability.
NO prepayment penalty for short-term loans less than 12 months. We only charge a prepayment penalty for DSCR long-term rental loans, typically if paid off within 3 years.
Payment structure
Interest Only
Recourse
Always
Closing speed
7 days typical · 5 days fastest
Prepayment structure
None
Cross-collateral
Yes
Equity / JV capital
No
Income documentation
Bank Statements, Loan Application
Borrower entity
Individual(s), LLC, Limited Partnership, Trust, Corporation, Self-Directed IRA
This record was compiled from the public pages below. Figures reflect what each source published when it was retrieved and are not a quote — confirm current terms with the lender.