National Hard Money & Private Money Lending


Over the years, PROJECT UM CAPITAL has expanded its private money and hard money lending areas nationwide! We offer our innovative loan programs around the country for borrowers with real investment properties and lend money in all 50 states. Call 305-440-7630 today to speak with one of our Loan Consultants and discuss your loan scenario.

PROJECT UM CAPITAL is the leading Nationwide Private and Hard Money Consultants and Brokers that specialize in fast and flexible lending processes. The PROJECT UM CAPITAL team is owned and operated by experienced Real Estate Investors providing a reliable and knowledgeable team to help all Real Estate investors succeed and receive the funding for their real estate investment properties.

Our loan programs support the following investment projects, for a complete list please visit our Products Page:


  • ​Hard Money Loan Programs
  • Soft Money Loans
  • NO-DOC
  • Fix and Flip
  • Cash Out – Refinance
  • Fixed Commercial Loans
  • Blanket Loans
  • Fixed Rental Programs
  • Multi-Family Hard Money Loan

Additional questions about our process can be answered in the FAQ section of our website.

Learn more about PROJECT UM CAPITAL, here is a message from our CEO​. Find out the latest about PROJECTUM CAPITAL in the Press!

Curious about Soft Money Loans? What is a Soft Money Loan?

Check out our recent deals - Recently Funded Deals!

Nationwide Private Money Lending

If you have a loan scenario that you would like to discuss with one of our loan Consultanst, please reach out to us directly at 305-440-7630 or email us at

Finding a Local Hard Money Lender Near You


PROJECT UM CAPITAL is a Nationwide Private and hard money Consultants and Brokers, feel free to reach out to a member of our team to discuss your needs, and develop a relationship so that you can fund your loan scenario quickly and easily. We lend money in all 50 states including Alaska and Hawaii!

To find out if we can provide your unique loan scenario with a hard money or NON-QM loan in your state - reach out to us today and fill out a loan application for approval.

Not sure about your Loan Scenario? Still wondering - When does Hard Money Make Sense? What Private Money Loan works best for my property?

If you need to finance a property fast, then a Hard Money loan might be the perfect option for your specific loan scenario. Hard money loans are the best solution for short term loans.

A Fix-and-flip loan is a good example of a rehab loan, it's utilized by borrowers for when they own a property just long enough to increase the value, as an investment property.

They’ll sell the property and repay the loan, often within a year or so. It is possible to use hard money to get into a property like that and stay there, however it would be best to refinance it as soon as you can get a better loan.

The Future of Nationwide Private Money Lending

As a nationwide Private and Hard Money Consultants, PROJECTUM CAPITAL private money lending has transformed lives around the country with our innovative mortgage programs.

By using PROJECTUM CAPITAL for all your private money lending needs on your real estate investment properties, the borrower knows that they are working with a trusted, efficient, and professional team!

From coast to coast, as well as Alaska & Hawaii, PROJECTUM CAPITAL Private Money Lending is a great resource for real estate investors looking to obtain a loan quickly - for a complete list of our unique direct private money & hard money loan programs, please visit our products page.

Why is Soft Money the Future of Lending?

Calling soft money ‘the new hard money’ may seem trite and contrived, but upon further reflection, soft money truly is the direction for the future of lending.

An innovative approach combining the benefits of hard money loans with lower risk, higher rates, and a term loan time-frame - soft money loans fit many borrowers far better with lower costs, lower rates, and longer terms (12 months - 30 years).

While the hard money loan is still the preferred option for many real estate investment scenarios, a soft money loan will become increasingly the loan used by first-time real estate investors, borrower’s looking to build their credit score, and investors with a good credit history who are looking for higher risk and lower rates.