Investor-Friendly Financing. Fast Closings. Limited Underwriting. Great Leverage.
Kick A$$ Real Estate Loans for Investors by Investors
NO PRELIMINARY CREDIT CHECK BABY!

Don't waste time. Speak to our lending experts.
(215) 770-1505As a Private Money Lender, we are an excellent choice for investors who need super-fast and reliable capital in a changing economy. We provide faster closings than the bank, with less paperwork.
We offer “alternative” non-bank Private Money Loans for most property and transaction types, both short- and long-term.
We offer Private Money Bridge Loans on fix and flip, fix to rent, and new construction projects. We offer Private Money Rental Loans on short and long-term rental investments. We fund single-family residential, multifamily, and commercial, mixed-use properties.
Our Private Money Loans can even fund your raw land. In short, you name it, our Private Money Loans can fund it!
Financing for purchase and repairs with fast approval, speed-to-close, higher leverage than a bank, reliable funds, customized terms, moderate underwriting requirements.
WE ARE INVESTORS, JUST LIKE YOU. We have been buying and building real estate in the greater Philadelphia market since 2008. We built this lending platform for investors after our own personal lending experience.
As an iFC client, you can count on having a transparent, supportive relationship with our team as your financing and project partner.
*We fund up to 90% LTC or 75% LTARV (whichever is less) for experienced investors.
Most of our loans are 85% LTC or 70% LTARV.
WHAT IS A PRIVATE MONEY LENDER?
Well, it depends on who you talk to!
Let’s say you Google “Private Money Lenders for Fix and Flip Loans.” The results that come up will be those under Definition #1: Private Money Lenders.
These types of Private Money Lenders are “Private” compared to the standard place many go to for loans—the bank. Most investors choose these types of Private Money Loans over a bank loan because they can close their deal more quick, they often get better leverage, and there is generally less paperwork involved.
This means the investor can do more deals more quickly, and scale their portfolios faster. This means more potential profit each year.
Investors also often look to Private Money Lenders for shorter-term projects (up to 18 months). Why? The primary advantage a bank offers is a lower interest rate. If you have a project with a year-long timeline, a slightly higher interest rate is not going to cost you much more. When you compare the savings on interest to the amount you may gain by closing a deal quickly and getting moving on your project, then a Private Money Loan may make the most sense.
Word of caution: do not believe the marketing gimmicks you see out there in the lending world. Rates are always determined by the following criteria:
Ok, now let’s say that you are sitting in your living room with your rich aunt and you mention that you are looking for funds to do a fix and flip down the street from her. “Oh, dear,” she exclaims, “I would love to see that old house fixed up! How much do you need to get going?”
This definition of a Person-to-Person Private Money Lender refers to either a family member, friend, acquaintance, or perhaps a business associate or another investor whom you met at a meetup. This type of Private Money Lender usually wants to support you first because you are YOU, and also because you have a great project!
Maybe you are just getting your real estate business going, or maybe you have done a few projects already. Either way, this type of Private Money Lender generally loans you money based on their personal relationship with you and/or their knowledge of your abilities.
Sometimes, new investors are not able to qualify for funding through either the bank or through other types of Private Lenders.
Why? Here are a few examples:
In any one of these cases, investors may want to look at personalized loan options through family members, friends, or others in their network who are looking for an investment.
Choosing the right capital partner for your real estate investment loans can be a game-changer (so choose wisely)! As investors ourselves, we know the game. We can help you learn it, fund it, and nail it.
- i FUND CITIES
Fill out the quick quote form for our loan officer to review and we will get in touch ASAP!
In competitive markets, where speed is everything, we can get you funds to close in as little as 7 days.
Get StartedFill out our deal form and get a quote in under two minutes. Once complete, someone on our team will follow up with a customized lending solution and terms.
We then issue preliminary pricing for your review. If the price is right, and you wish to move forward with iFC, a formal term sheet will be digitally issued for your signature. Sign and we will kick things into high gear!
Paperwork sucks, but we are here to help you along the way. After we collect the agreement of sale, construction budget (if appropriate), title, and insurance contact information from you, we order your appraisal from a LOCAL company, (not a national appraisal management company, which can impact appraisal quality and delay your loan).
Provide us with supporting documents in a timely fashion (your real estate experience, driver’s license, entity information, and source of cash), and we will get you to closing in as little as 7 days.
We work relentlessly to make sure our customers’ lending experience is nothing shy of outstanding. Brought together by Philadelphia, a couple of beers, and a passion to do the impossible, the i Fund Cities team was formed. Supportive of one another, the iFC team members are the type of people you want to be around—they inspire, motivate, and enjoy the company of their clients and partners. Building strong relationships and impactful lending practices are the core values that drive the iFC team.
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