How to Present Your Loan Request Like a Pro

Securing private financing for a real estate project isn’t just about the property — it’s also about how you present your loan request. Whether you’re applying for a bridge loan, fix & flip financing, or construction capital, a clear and complete loan package can significantly improve your chances of approval and speed up funding.

Here’s what experienced lenders look for — and how you can stand out.

1. Tell the Full Story of the Property

Start with a brief summary that explains:

• What the property is
• How it’s being used (or will be used)
• Why you’re purchasing or refinancing it

Include context like value-add opportunities, current conditions, and market demand. This helps the lender understand the purpose and upside of the project.

✅ Pro tip: Don’t assume the lender will “read between the lines” — spell it out.

2. Show the Numbers That Matter

A successful loan request includes solid figures, such as:

• Purchase price and renovation budget
• ARV (after-repair value) or stabilized value
• Borrower’s cash contribution
• Desired loan amount
• Exit strategy and timeline

Lenders want to understand your capital stack, repayment plan, and level of risk. Accurate, realistic numbers build trust.

3. Include Photos and Comparables

Photos of the property — especially interior shots, exterior condition, and any problem areas — help the lender visualize the asset. Include comparable sales or rental comps to support your valuation.

4. Share Your Experience (or Your Team’s)

Even if you’re new to investing, show that you’re working with licensed contractors, property managers, or experienced partners. If you’ve completed other projects, highlight them. A short track record summary goes a long way.

5. Be Transparent About Potential Challenges

If the property needs permits, has a pending lease-up, or is in an area with unique zoning, it’s better to disclose this upfront. Lenders appreciate transparency — it shows you’ve done your homework.

6. Organize Your Documents

Make it easy for the lender to evaluate your request:

• Purchase contract or refi payoff demand
• Renovation scope and budget
• Title report (if available)
• Rent roll (if applicable)
• Personal financial statement or bank statements

Quick access to these documents can cut your funding timeline significantly.

Final Thought

A well-presented loan request helps a private lender quickly assess risk, value, and fit — saving you time and increasing your likelihood of success. Whether you’re new to private financing or have completed multiple projects, treat each submission like a professional pitch.

Disclosure: TaliMar Financial, Inc. dba TaliMar Financial, CA DRE License 01889802 / NMLS 337721. For information purposes only and is not a commitment to lend. Programs, rates, terms and conditions are subject to change at any time. Availability dependent upon approved credit and documentation, acceptable appraisal, and market conditions.