Washington  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

Why WADOT for Loans in Washington State

WADOT’s expertise, reliability and quick financing in the construction, real estate rehabilitation, commercial real estate and agricultural industries in Washington state make us one of the top hard money lenders in the Pacific Northwest.

Whether you are looking to finance an urban development in Seattle, WA or looking to increase your farming capacity in eastern Washington with an agricultural loan, we are committed to meeting our client’s financing needs.

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


Why Choose WADOT for Your Loan in Washington State:

  • We are invested in Washington.  We live and work in Washington, Idaho, and Oregon and this makes us, unlike our competitors, committed to the areas we serve. Our aim is to provide the means of growth for each of the states where we operate.  
  • Customer service and speed. If you are looking for financing, no other hard money lender can get you capital as fast as WADOT.
  • Excellent rates for loans in Washington state and no upfront costs. We can work with anyone seeking financing.  We will work with you to understand your unique situation.
  • There are no restrictions on the type of property you can finance with a one of WADOT’s loans. All locations in Washington, Oregon, and Idaho are considered for financing, from urban centers to rural communities.


WADOT Offers Smart Financing

WADOT Capital Inc. is primarily a “Loan to Value” or “LTV”-driven lender. As a hard money lender, we provide financing to companies and individuals based on collateral, not credit or income.  We never penalize or charge additional fees for early payment of your loan.

NO Credit Requirement

We do not require our clients to have excellent credit scores or income requirements.   To qualify for financing, our hard money loans are based on the value of our clients’ collateral.

Flexible Financing 

We understand that each client has a unique situation.  We offer funding for a variety of projects, whether it be financing for construction, commercial real estate, rehab real estate, or agricultural.   Our lending requirements are simple and our financing is timely so that our clients can take advantage of opportunities as they arise.  We will work with you to understand the nature of your business and the plans for the property, so that we can assist you to the best of our ability.

What’s Eligible Property?

Whether it’s the rehabilitation of office space in Tacoma or the construction of new property in South Lake Union in Seattle, WADOT funds a variety of loans.  It doesn’t matter the type or condition of the property you’re looking to invest in – we work with a variety of clients, each with unique needs.  As a trusted commercial hard money lender, we have the experience and the capability to create financing plans quickly and soundly to meet the needs of each property being acquired. 

  • Corporations
  • Estates
  • Partnerships


WADOT Washington Loan Success Story

$250,000 investment property refinance with heavy land collateral in Gig Harbor, WA

4.25 acre, high bank waterfront in South Gig Harbor. Four bedroom, two bath, 1,616 square foot, single family rental in fair condition. Land consisted of two parcels; cash out refinance for investment purposes.