Let’s face it: If you’re a mortgage broker or wholesale lending partner, you’ve likely experienced the loss of a deal because traditional lenders take an excessively long time to respond. A hot fix-and-flip property opportunity evaporated from your client because the bank needed 45 days to issue a “denial”. A commercial investor chose to abandon a new construction project after learning the bank refused to fund it.
Here’s the good news: Private lending serves as the key tool that will help you close more deals in 2025 and maintain client loyalty. Brokers who learn to use alternative financing strategies will control the market because the private lending sector is predicted to expand by $2.3 trillion by 2027 (IBISWorld).
RCN Capital exists to support your success in private lending. The following guide explains how you can use private lending to solve client needs and outcompete competitors while making your business grow. Let’s dive in!
Understanding Private Lending
The process of private lending lets investors obtain financing through individuals or private companies for real estate purchases. Private loans provide flexible terms and speedy approval processes that serve as major advantages over traditional bank loans because they accept clients who do not qualify according to conventional standards.
Advantages of Private Lending in 2025
- Easier Qualification Process: Private lenders generally have lower credit score requirements and down payments, with greater emphasis placed on the value and potential of the property as opposed to individual financial history.
- Faster Approval and Funding: The streamlined processes in private lending mean clients can access funds more quickly, a crucial factor in competitive real estate markets. A 2024 J.D. Power survey found 79% of investors would switch lenders for faster approvals. Traditional lenders take 30-60 days to close. Private lenders like RCN Capital? 10-14 days.
- Flexibility in Loan Terms: Private lenders often offer personalized loan terms and custom repayment schedules, tailoring solutions to fit the unique needs of each client.
- Higher Loan-to-Value Ratios: The financing amount clients receive from private lenders surpasses the property value, which helps them complete projects with minimal starting capital.
- No Stress Test Requirement: Unlike traditional banks, private lenders may not require stress testing, simplifying the approval process for clients.
5 Actionable Strategies to Close More Deals with Private Lending
1. Identify “Bank Rejects” Early
Spot clients who’ll struggle with traditional lenders:
- Self-employed or gig workers (36% of U.S. workforce)
- Properties needing >$20k in repairs
- Investors with 4+ financed properties (Fannie Mae’s 10-property limit)
2. Bundle Private Loans with Value-Add Services
Turn a transaction into a partnership:
- Free Rehab Budget Template: “I’ll send you our investor toolkit—includes a pro-forma builder.”
- Contractor Referrals: “My team vetted these 5 contractors for flip projects.”
- Exit Strategy Planning: “Let’s discuss refinancing to a long-term loan after renovations.”
Stat: Brokers who bundle services earn 22% higher fees (NAR).
3. Master the Art of Speed
Use these phrases to position private lending:
- “We can close in 10 days the bank’s 45.”
- “Let’s lock this rate today—it’s valid for 48 hours.”
- “I’ll handle the paperwork; you focus on the property.”
Pro Tip: RCN Capital’s Priority Processing guarantees 10-day closes for urgent deals.
4. Educate with “Borrower-Friendly” Content
Build trust (and leads) by explaining complex topics simply:
- Video: “3 Signs You Need Private Lending Instead of a Bank”
- Checklist: “5 Questions to Ask Your Private Lender”
- Webinar: “2025 Market Outlook: Where Private Lending Fits”
Stat: 81% of borrowers choose brokers who educate them (Content Marketing Institute).
5. Partner with a Lender That Makes You Look Good
Your lender choice reflects on YOU. Look for:
- Speed: Loans close in a matter of days, not weeks or months
- Niche Expertise: Programs for flips, construction, and more
- Broker Support: Broker referral program, co-branded materials
Why RCN Capital Delivers:
- 10-14 Day Closings: Even for complex deals
- White-Label Resources: Use our marketing resources to help you reach more customers and close more loans
- Dedicated Support: Your clients get a single point of contact to resolve any financing complications
Why RCN Capital is Your 2025 Private Lending Partner
At RCN Capital, we focus on empowering third-party originators and wholesale lending partners, here’s how we help you win:
- Broker-First Mindset: Earn top-tier commissions through our Referral Program
- Niche Loan Programs: From fix & flip to new construction—no cookie-cutter solutions
- Tech That Wows Clients: Real-time updates via BLN Software
- Speed You Can Brag About: 73% of our loans close in under 14 days
If you’re ready to make private lending your #1 deal-closing tool in 2025, RCN Capital is here to help. Contact us today to learn more about our loan programs and how we can support your business growth in 2025 and beyond.