Private Line of Credit
Need quick access to capital? We help you tap into the private credit line you need, when you need it.
Loan Overview
Access fast capital for ongoing funding needs.
Unlock fast, flexible financing with our private credit line, where you only pay interest on the amount you withdraw. It's a perfect option for those with specific funding needs who don’t require the full amount upfront.
Lock in competitive rates, save on interest, and access funds quickly as your projects evolve. Enjoy the convenience of making draws when needed while benefitting from our streamlined, low-doc underwriting process.
Loan Benefits
Plan ahead with our flexible terms.
Socotra Capital’s private line of credit gives borrowers the advantage of no interest until funds are drawn. This solution is ideal for those with significant equity who need financing up to six months early.
Manage your cash flow efficiently, access funds as needed, and save on interest while aligning your financial strategy with your investment goals.
Loan Solutions
Leverage tailored capital for future projects.
Socotra Capital is proud to offer a funding solution tailored to your needs. Unlike traditional loans, which require full disbursement upfront, our hard money line of credit allows you to draw funds as needed and only pay interest on what you use.
Whether you’re planning for a future investment, renovating a property, or covering ongoing expenses, you have plenty of time to access the capital you need while saving on interest.
Project Types
- Property purchases and renovations
- Operation expansion
- Equipment investments
- Payroll expenses
- And more!
Loan Amounts
Private lines of credit range from $100K-$20M.
Loan Term
- 24-month term
- 12 months to draw
Loans Available
- Individuals
- Trusts
- Corporations
- Limited partnerships
- Retirement accounts
Loan Showcase
See Our Loans in Action
An experienced investor with a net worth over $20 million refinanced three free-and-clear commercial properties. The borrower needed cash to renovate a newly acquired multifamily property. Socotra Capital provided a $5.3 million line of credit with an initial draw of $3.5 million, catering to their unique financial situation where traditional bank loans were not an option.
- Location: North Bay, CA
- Loan Type: Refinance
- Loan Amount: $5,300,000
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What Our Customers Are Saying
“Kerati and the Socotra Capital team were great to work with—they were quick, responsive, and approved a hard money loan for my client in less than a week. They were also very patient and answered all questions."
Gurmeet Singh
Borrower
“During my routine interactions with Socotra Capital as an Escrow Officer, the level of communication and professionalism from all employees involved is nearly unrivaled in the industry."
Troy Dodge
Borrower
“I’ve been lucky enough to have been working with Socotra for almost 10 years now. They are an incredibly communicative and well-thought-out team. I’ve been exceedingly happy with my investments here, as well as with my returns."
Joan Schubert
Borrower
"Amazing team at Socotra Capital that gives you all the help you need along the way. Big thanks to Xavier, Cory, and Tami for their time and patience. I strongly recommend this group for a quick close all the way through!"
Kamal Almutarreb
Borrower
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Borrower Value Point Donec
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Borrower Value Point Donec
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Guide
The Borrower's Guide: Process, Preparedness, and Timeline
Getting turned down for a loan from a traditional bank is frustrating, but it’s not the end of the road. If you have found an investment property, have immediate capital needs, or need quick cash to keep your business going, alternative lending solutions could be the answer.
Hard money lenders aren’t subject to the same restrictions as traditional banks, so even if you can’t secure a bank loan, you can get the funds you need. In fact, the process is often faster, which is why many investors choose to get a hard money loan even when bank financing is possible.
Resources
Read our hard money insights.
