Idaho Private
Money Lenders

WADOT’s Pricing and Terms

While all projects are different, this is an example of a typical project loan rates and terms.

  • Term - Typically 1 to 2 years, interest only payments
  • Rate - Typically 10.5% to 12.9%
  • Fee - Fee is based on contract term
    • 4% for 24 months
    • 3.5% for 12 months
    • 3% for 6 months
  • $310 document review fee, $475 underwriting fee, $250 - $350 inspection fee, $24 UCC filing fee, and $50 tax service fee for 24 month loan terms only
  • No upfront fees
  • Borrower responsible for all broker and/or 3rd party fees/costs

Why Use WADOT for Loans In Idaho

We pride ourselves on providing fast and reliable financing for investment projects in Idaho state.

We work with our clients to finance a variety of projects, whether it be funding new construction in Coeur d'Alene, financing commercial or rehabilitation real estate in Boise, or acquiring farmland in Lewiston – we are committed to the growth of our communities and the success of our clients.  

Contact us and talk about your plans.  We will build a financing package that will suit your needs.

Nobody is faster.
Nobody will take better
care of you than WADOT.


Why Choose WADOT for Your Loan

  • Choosing WADOT is a smart way to finance your project.  WADOT Capital Inc. is primarily a Loan to Value or “LTV”-driven lender, commonly known as a hard money lender. As a hard money lender we are able to provide funds quickly to businesses and individuals with immediate purchase plans and we don't have credit or income requirements. 
  • Customer service and speed. If you are looking to finance an investment project, no other hard money lender can get you capital as fast as WADOT.
  • Great rates for loans and no upfront costs. We can work with anyone seeking finance to understand your unique situation.
  • There are no restrictions on the type of property you can finance with a one of WADOT’s construction loans. Plus all locations in Idaho, Oregon and Washington are considered for financing, not just urban centers.
  • We live and work in Idaho, Oregon and Washington, so we are invested in those communities and want to see them succeed.

No Income Requirement; How Hard Money Lending Works

Hard money loans are based on the value of the collateral, not your credit score.  Therefore, we do not have any credit or income requirements to qualify for financing.

We Offer Flexible Financing

As a hard money lender providing loans to individuals and businesses in Idaho, we are able to fund a variety of candidates and projects. Our requirements are simple, and funding for projects arrives quickly to help take advantage of time sensitive opportunities. We offer financing for property in any condition. We will work with you through the application process to understand your plans for the property so that we can offer you the best financing to suit your needs.


  • Corporations
  • Estates
  • Partnerships