The Premier Private Lender in the Western U.S.

About Us

Headquartered in Scottsdale, Arizona, INCA Capital is a direct source of private capital for financing all types of Real Estate in the Southwest including Arizona, California, Colorado, Nevada, and Utah. With over 75 years’ experience in real estate financing, construction and development, we are able to originate, underwrite, structure and fund all types of real estate loans.

Our unique approach and ability to quickly determine the funding compatibility of a loan request provide for timely feedback to our clients and borrowers, even in today’s complex lending environment. Our loans are funded from private investor capital, which gives us the ability to promptly review a loan request and respond to the borrower within 24 hours of receipt of the loan information. INCA Capital, LLC is licensed with the Arizona Department of Financial Institutions (CMB-0933393) and is registered with the Nationwide Mortgage Licensing System & Registry (#478664).


Low Rates


Timely Response


Flexible Terms


Direct Lender


Quick Funding

Terms & Conditions

Loan Size

$500,000 to $15,000,000

Interest Rate

From 7.5%

Loan to Value

Up to 75%


3 - 36 Months

“I have referred all my clients to the guys over at INCA, I would not trust anyone else with my clientele!”

Keaton MerrellWalker Dunlop

“We have funded several loans with Justin and Brandon at INCA and they made the process quick and efficient.”

Steve Pritulsky Watt New Leaf

“Best pricing and customer service.”

Michael Hsiung Developer

“I have used the INCA guys for over 10 years, best hard money lender around.”

Art CunninghamDeveloper

“As a local banker I often come across the need for private money when our bank can’t perform, the guys over at INCA are always my first call.”

Steve LoonamBanker

“INCA was able to underwrite, approve and close the loan within 10 days.”

Steve LaTerraMyers Group

“We have had lenders in the past commit to a loan and then back out, INCA has performed time and time again without exception, INCA closes. ”

Brian BurdzinskiWatt Companies