How It Works
Four stages, written the way a transaction actually moves. The first two belong to OC Private Money. The last two are shared with — and ultimately decided by — an independent lending professional.
The four stages
01
Share the scenario
OC Private Money
You describe the property, the amount you are seeking, the business purpose, and your timing. A short conversation usually replaces a long form.
- Property address or city and state
- Property type and current condition
- Requested amount and estimated value
- Business purpose of the funds
- Target timeline
02
Review and organize the opportunity
OC Private Money
We look at the transaction the way a lending professional will: collateral, purpose, strength of the deal, and the exit. Gaps are identified before anyone else sees the file.
- Confirm the business purpose
- Clarify sources and uses
- Identify the repayment or exit plan
- Flag missing information early
03
Connect with an appropriate lending professional
OC Private Money introduces — the lender decides
If the scenario is a reasonable fit, we make an introduction to an independent lending professional. OC Private Money does not underwrite, approve, price, fund, or service the financing.
- Introduction made with your consent
- Scenario summary shared as you approved it
- Lender sets all terms and requirements
04
Stay coordinated through the lender's process
Lender leads — OC Private Money stays reachable
The lending professional runs underwriting, documentation, approval, funding, and servicing. We stay available so requests are answered and the transaction keeps moving.
- One point of contact for questions
- Follow-through on document requests
- Clear status through closing
Who does what
The clearest way to describe the relationship: OC Private Money prepares and introduces. The lending professional decides and funds.
| Responsibility | OC Private Money | Lending professional |
|---|---|---|
| Understanding the transaction and its business purpose | Yes | — |
| Organizing the scenario for review | Yes | — |
| Identifying missing information early | Yes | — |
| Introducing an appropriate lending professional | Yes | — |
| Staying reachable through the process | Yes | — |
| Underwriting and credit review | — | Yes |
| Valuation and third-party reports | — | Yes |
| Setting all terms, pricing, and conditions | — | Yes |
| Approval or decline decision | — | Yes |
| Loan documentation and closing | — | Yes |
| Funding and disbursement | — | Yes |
| Servicing after closing | — | Yes |
Related
- Financing Solutions
The scenarios reviewed, by situation.
- FAQ
Plain answers on business purpose, decisions, and scope.
- Disclosures
Working disclosure language for review.
Have a transaction worth a conversation?
Share the property, the amount, the business purpose, and your timing. You will get a direct read on whether private capital fits — and what a lending professional would want to see.
Business-purpose financing only. All financing is subject to lender review, underwriting, and approval.