Our Services
Our Financing Solutions
Whashigton Private Lending facilitates access to a broad range of private real estate financing solutions specifically designed to address the failures of traditional mortgage lending and prevent repeat financial harm.
Alternative Residential Mortgage Loans
Private residential loans for owner-occupied properties structured with predictable terms, clear rates, and sustainable payment schedules — avoiding payment shock and opaque adjustments.
Investment Property Financing
Private capital for residential or small commercial investment projects, with underwriting focused on asset value, exit strategy, and risk alignment..
Ethical Refinance & Exit-from-Predatory-Loan Solutions
Refinancing options designed to help borrowers exit high-cost, predatory, or unsustainable bank or private loans and transition into more stable structures.
Foreclosure Prevention Bridge Loans
Financing solutions for individuals or families rebuilding after a foreclosure or eviction. These loans focus on stability, gradual re-entry into homeownership or investment, and realistic repayment capacity.
Post-Foreclosure Recovery Loans
Financing solutions for individuals or families rebuilding after a foreclosure or eviction. These loans focus on stability, gradual re-entry into homeownership or investment, and realistic repayment capacity.
Credit-Challenged Borrower Loans
Solutions for borrowers with damaged credit histories resulting from hardship, medical issues, divorce, or past foreclosure. Evaluation is based on current capacity and project fundamentals, not only past credit scores.
Ethical Refinance & Exit-from-Predatory-Loan Solutions
Refinancing options designed to help borrowers exit high-cost, predatory, or unsustainable bank or private loans and transition into more stable structures.
Cooperative Emergency Capital Programs
Limited-scope emergency funding programs for cooperative members facing temporary hardship, designed to prevent default and preserve long-term stability.
Our Mission
Our mission is to repair the harm caused by exclusionary and inflexible lending
practices by offering ethical private financing solutions that are built around
people, not penalties.
Sterling Private Capital exists to provide real alternatives for individuals who
have been:
- Denied financing despite viable projects
- Forced into foreclosure due to rigid loan
servicing
- Penalized for non-traditional income or
past financial hardship
We support
- Homebuyers seeking stability after past housing loss
- Property investors rebuilding after foreclosure
- Entrepreneurs and self-employed individuals underserved by banks
- Borrowers with non-traditional financial profiles
Testimonials
We were approved by Washigton Private Lending after two banks rejected us without explanation. Everything was transparent — rates, fees, timeline. No surprises. No sudden changes. We finally have a stable home and a payment we understand.
After foreclosure, I thought homeownership was over for me forever. Washigton Private Lending didn’t judge my past — they looked at who I am today. This loan helped me rebuild with dignity and structure. For the first time, I felt treated like a human being, not a credit score.
I was weeks away from losing my home. The bank refused to restructure, even though my income had recovered. Washigton Private Lending stepped in when no one else would. The bridge loan gave me time — real time — to stabilize and refinance properly. Without them, my family would have been evicted.
As a business owner, my income didn’t fit the bank’s boxes. Washigton Private Lending looked at contracts, cash flow, and long-term viability, not just paperwork. They asked real questions and offered real solutions. That approach made all the difference.
Washigton Private Lending approached my investment like a partnership — risk, exit, numbers. No pressure. No hype. Just disciplined private capital. That’s rare.
