Need Money for your Fix & Flips?
Rentals? Real Estate Investments?

Join millions of savvy real estate investors and get the funds you need quickly.
Show us the deal and we’ll show you the money. At Ricardo Capital,
we have the experience, knowledge and a network of Private Lenders
to ensure your success.






Contact Us

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Do you have a deal under contract? Ask us how you can acquire a Proof Of Funds Letter to help sweeten your deal.

Real Estate Is Our Passion

We are thrilled to be a part of this next chapter in your life. Our commitment to excellence starts with treating you and your transaction with the utmost care and professionalism. We know that buying or selling investment properties is not for the faint of heart and we are humbled that so many investors both seasoned and beginners choose us to join them on their journey. We look forward to hearing about your next deal and how we can quickly and smoothly expedite your funding today.

Quick Closing

We close quick so you can get back to doing what you love, finding more deals!

Competitive Rate

We offer rates that you won’t find anywhere else in the private money marketplace.

No credit, no problem

Our loans look at the asset only, so there’s no need to worry about being denied over your credit score.


Find your next investment deal here. As one of the area’s most active real estate investing companies, we will work hard to help you find your next investment property.

Private Hard Money Lending

Private hard money lenders operate just like most other private lenders. Hard money refers to hard assets such as houses, commercial buildings, plazas, rental properties and more.  Private money lenders usually like to personally inspect the properties they use as collateral for loans. They will also need to see financial statements if the money is required for commercial or rental properties.

Getting a loan for your real estate project can be difficult without the assistance of a private money broker. Ricardo Capital can help you with all the required loan documents whether it is a Fix & Flip purchase or refinancing an existing investment property, be it residential or commercial. Keep in mind, the interest rates for commercial properties are usually higher than that of residential properties. 

Benefits of Private Mortgage Lending

They Offer Bad Credit Mortgages

Mortgages given to borrowers with ‘poor’ credit scores are known as bad credit mortgages. According to bank requirements, borrowers may need to get a bad credit mortgage if they have a credit score under 620. 

Having a bad credit score is not that unusual. Even just a few missed credit card payments can lead to a low credit score. Private lenders are not subject to the same rules as banks and can provide mortgages for many kinds of borrowers, including those with bad credit. Private lenders base their loans on the amount of equity in your home, not your credit score. 

Faster Loan Financing

Banks and other traditional lenders are known to have a lengthy approval process which can take weeks. Even when borrowers provide banks with everything they request, it will still take a long time to process the paperwork, which may put investment deal in jeopardy. 

Private lenders can quickly process loan applications, sometimes within a week. This speed is unmatched in the lending industry, which makes them a flexible option to use if emergency real estate financing is needed.  As mentioned, a real estate deal may fall apart if funding isn’t provided immediately. At Ricardo Capital, we can get you funding you need hassle free. Our process is streamlined to suit your specific needs, so you can continue growing your portfolio in this buyers market. 


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