Modern living room with wooden floors and walls, featuring a black sofa, two beige chairs, a staircase with wooden steps and glass railing, integrated kitchen appliances, colorful pendant lights, and decorative accents.

Private Lending Built for Speed and Certainty

Modern multi-story house with large glass windows, white and wooden exterior, under a clear blue sky.

Lending Made Easier.

At Journey Capital, we offer private lending solutions designed for real estate investors who need capital that moves as fast as they do. Whether you're refinancing, acquiring, or solving for something creative — we bring clarity and experience to every transaction.

Loan Process

Initial Consultation

We start with a call to understand your needs and deal structure. Then we advise you on the smartest funding approach.

Documentation Review

Submit a simple loan app, entity docs, and financials. We’ll review the property’s zoning, value, and any key risk areas.

Funding and Closing

We partner with approved title companies and handle funding start to finish. You’ll sign your note, deed, and deal docs — then we wire funds.

Loan Programs

  • Bridge and Refinance Loans

    Short-term capital or cash-out for business purposes.

  • Custom Financing Options

    - Up to 100% LTV with cross-collateral

    - 100% purchase with renovation escrow

    - Deferred payments (where applicable)

    - Non-recourse options for IRA-held assets

  • Acquisition Loans

    Fast capital for new investment property purchases.

Construction blueprints, a white safety helmet, and a set of keys on architectural plans, suggesting building or construction planning.

Typical Loan Terms

  • Loan Size: $250K to $3M

  • LTV: Up to 75%

  • Rates: From 9.99%

  • Repayment: Monthly, interest only

  • Term: Up to 12 months, possible extension

  • Properties: Residential investment, small multi-unit, select commercial

  • Lien: First position

  • Recourse: Yes

  • Region: Colorado

  • Closing Costs: Paid by borrower