A private money loan is a flexible, short-term loan funded by individuals or private lenders and secured by real estate. Often used for investment projects like fix and flips or land purchases, these loans provide quick access to capital without the red tape of banks. The approval process focuses on the asset’s value and exit strategy rather than credit scores or income. Private money loans are popular among investors for their speed, adaptability, and willingness to fund non-traditional deals. While they carry higher interest rates, their benefits outweigh the costs for those who need fast, reliable funding solutions.