Interest Rates From 7.5%

Rates start at 7.5% for real estate properties.

Loan to Value Up to 75%

LTV varies depending on property type, location, and sponsorship.

Loans From $500,000 to $15,000,000

We finance real estate loans from $500,000 to $15,000,000 with our own capital.

Terms 3 Months to 36 Months

We structure loans from 3 to 36 months. We have the flexibility to structure a loan to meet your needs.

Pre-Approval Within 24 Hours, Receive Funding in Days

INCA Capital can issue a loan pre-approval within 24 hours, based on our 75 years of proven real estate and lending experience. As a direct lender with our own funds, we can close within days.

Experienced Direct Lender since 1999

Our team at INCA has exceptionally closed over 870 loans since 1999. As a seasoned direct lender, we have the expertise and ability to underwrite your loan and fund quickly.

Real Estate Loan Types

mf financing


hotel financing


office financing


retail financing


land financing


SFR financing

Single Family

industrial financing


mixed use financing

Mixed Use

Deals Funded
Total Amount Funded

Experienced Real Estate Experts

The principals of INCA Capital are not only subject matter experts but have been intimately involved in real estate since the early 1980’s including lending, developing, building, banking and auditing real estate assets.

The Softer Side of Hard Money

With rates starting at 7.5%, our ability to quickly comprehend and underwrite simple and complex real estate transactions gives us a competitive advantage over other hard money lenders and traditional lending sources.

Financing the Western United States

Headquartered in Scottsdale, Arizona, INCA Capital is one of the premier private money lenders serving Arizona, California, Colorado, Nevada, and Utah. The principals of INCA Capital have closed more than $1 billion of financing transactions.

Hard Money Loans – Featured Deals