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KAL Kreations — We Kreate Money

Real estate funding products

KAL Kreations arranges real estate investment funding from $25,000 to $100,000,000 in all 50 states through its private lender network. Products cover purchase, refinance, construction, asset-based loans, bridge loans, fix and flips, and more. Call 415-892-0470 to discuss a scenario.

All loans are for real estate investment purposes only. We do not offer personal loans.

Multi-story building under construction, photographed for KAL Kreations

Choose a funding product

KAL Kreations arranges hard money loans from $25,000 to $100,000,000 in all 50 states through its private lender network for investment purposes.

What is the difference between hard money and a bank loan?

Private lenders review the property and the exit, and consider difficult credit files case by case. Conventional banks focus heavily on borrower credit and income, with a longer, more cumbersome approval process; credit issues can make a bank loan harder to obtain.

Hard money compared with conventional bank financing
Hard money (private capital)Conventional bank
Primary underwriting basisThe property and the exitBorrower income, credit and global cash flow
Purpose permittedReal estate investment onlyInvestment or owner-occupied consumer
Property conditionAll real estate propertiesUsually must be habitable and stabilised
Difficult credit filesConsidered case by caseTypically declined at credit scoring
Application processProperty and exit reviewed; difficult credit files considered case by caseLonger, more cumbersome process; credit issues can prevent approval

Start a funding request

Prefer to talk? Call 415-892-0470 (landline).

All loans are for real estate investment purposes only. We do not offer personal loans.

Anywhere from $25,000 to $100,000,000.

Purchase price, value and anything unusual about the file. The more detail you give, the better.

Submitting this form does not create a loan commitment.

Call 415-892-0470Funding request