Oregon Private
Money Lenders

WADOT 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 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

Securing A Loan In Oregon

We pride ourselves on providing fast and reliable financing for construction projects, commercial real estate, rehab real estate and agricultural ventures.  

We work with our clients to finance a variety of projects, to make your vision a reality.  Whether you are looking for funding to finance property acquisition in the Willamette Valley or looking for a loan to help revamp office space in Portland, we will partner with you to secure the funds needed to fulfill your goals.

Talk to us about your plans and we will build a financing package for your specific needs.

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


WADOT Is A Smart Way To Finance

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 provide financing to companies and individuals based on collateral, not credit or income.

When calculating LTVs,  WADOT places significant weight in the acquisition cost of the property, plus estimated repair/completion costs, when determining the current value of the project.  These costs are generally used as the value of the collateral when calculating the LTV, making loan to cost and loan to value potentially one in the same.

The Benefits of Choosing WADOT

  • No credit requirements
  • No income requirements
  • No restrictions on property types
  • No prepayment penalty
  • Fast assessment of collateral
  • Funding often within 48 hours
  • Dedicated and professional staff
  • Excellent financing rates
  • No upfront fees
  • Dedicated to funding properties in Oregon, Washington and Idaho

We Offer Flexible Financing

Each of our clients has a unique situation.  We understand that property acquisition opportunites can arise quickly.  We provide solutions to finance a variety of projects, whether it be financing a new construction in Portland or securing a loan for farm equipment in Bend.  Our lending requirements are simple, our financing is fast and we offer funding for a variety of property types to meet the needs of our clients.


  • Corporations
  • Estates
  • Partnerships

WADOT Oregon Loan Success Story

$125,000 construction loan in North Plains, OR

Ground up construction of a single family residence on a 5,000 square foot lot in North Plains.