Orange Capital Group

Hard Money & Private Lending Overview

We provide conservative, asset-backed private lending solutions for experienced real estate investors who value certainty, speed, and clear terms. Our lending program is built around strong collateral, disciplined loan-to-value ratios, and straightforward structures designed to protect capital first.

We selectively originate short-term private loans secured by real estate or cash downpayment, prioritizing low loan-to-value positions and downside protection. Investors typically earn targeted returns in the 8%–10% range, while the fund earns a modest additional spread of approximately 2% plus points. Borrower pricing is generally structured in the 10%–12% range with 2 points, allowing us to remain competitive while avoiding excessive or opaque fee structures.

Our approach emphasizes fair, transparent pricing and responsible underwriting, reflecting our belief that well-structured lending creates better outcomes for both borrowers and investors. By focusing on clarity, accountability, and execution, we aim to build long-term relationships and repeat business rather than transactional outcomes.

 

Hard Money Lending
Hold Short-Term / Long-Term (Deal & Contract Specific)
Investors 8% – 10%
Borrowers 10% – 12% + Points
The fund may offer multiple investor classes with differing economic terms based on commitment size, as disclosed in the governing documents. All rates and returns shown are targeted and not guaranteed. Distributions are subject to available cash flow and investment performance. No income verification required. Adjustable-rate structures may be implemented when appropriate on a deal-by-deal basis.

Hard Money & Private Lending

Lending Philosophy

Our approach to private lending is intentionally conservative. Loans are issued only when the underlying asset, borrower experience, and exit strategy align with our risk standards.

We prioritize principal protection over volume and structure every loan with clear documentation, realistic timelines, and defined exits.

Loan Types

We offer short-term private loans for:

Fix-and-flip projects
Bridge financing
Acquisition and renovation
Select development scenarios

All loans are secured by real estate or cash and structured around the asset or cash down payment—not speculation.

Typical Loan Structure

While each loan is evaluated individually, our typical lending parameters include:

Conservative loan-to-value ratios
Short-term durations (generally 6–12 months)
Asset-backed first-position security
Market-based interest rates and points

Loan terms are tailored to the project and risk profile.

Capital Protection & Underwriting

Every loan undergoes a detailed underwriting process that includes property valuation, renovation review (when applicable), borrower experience assessment, and exit analysis.

We avoid aggressive assumptions and lend only when multiple layers of protection are present.

Investor Participation

Investor capital deployed into private lending strategies typically targets returns around 10%, with the fund earning a modest spread through interest and points.

Investor returns are prioritized, and the fund’s upside is earned through disciplined execution—not leverage or speculation.

Transparency & Communication

All loan terms, risks, and timelines are clearly disclosed upfront.

We maintain open communication with both borrowers and investors throughout the life of each loan and avoid structures that rely on extensions or forced outcomes.

Quick Approval Process

Orange Capital Group offers fast and efficient approval for hard money loans, helping real estate investors secure funding quickly.

Flexible Terms

Our loans come with customizable terms to suit the unique needs of each real estate project, ensuring flexibility and convenience.

Who This Is For

Our private lending platform is designed for:

Experienced real estate investors
Borrowers with defined exit strategies
Projects that require certainty of execution
Investors seeking asset-backed, short-duration exposure

*Information provided is for informational purposes only and does not constitute an offer or solicitation*

Request a Private Lending Overview

*All returns discussed are targets or examples of typical investment structures and are not guaranteed. Actual results may vary, and investing involves risk, including potential loss of capital. Investments are typically structured with a target preferred return of approximately 7.5%, subject to available cash flow and investment performance. Fix-and-flip investments are generally structured with a target 6% preferred return to investors, followed by a profit split, subject to project performance. Private lending investments are typically structured to target investor yields of approximately 10%, depending on loan terms, collateral, and performance. Investors are paid first. Preferred returns accrue but do not compound. Distributions are made only from available cash flow. The Manager earns its promote only after investors are paid. Information on this website is provided for informational purposes only and does not constitute an offer or solicitation. All investments involve risk.*