What you need
to know.

We understand how timely and complicated real estate development in the Northwest can be, and working with conventional banks might be a challenge for some. In an effort to help them scale and grow with minimal hassle, we help businesses of all sizes secure safe and customized funding to fit their project needs.

Our Approach

1892 Capital operates as a Portfolio Direct Private Capital Lender. The primary benefit of utilizing private capital through 1892 Capital is ease, flexibility, and speed. As a private lender, 1892 Capital can engage in more “high-risk” loans than traditional or non-direct private lenders, and consider collateral over credit. We’re also able to close loans within 72 hours of receiving all necessary information and also rarely require an appraisal. That keeps costs down and expedites our ability to close quickly.

Lending Criteria

1892 Capital Partners, LLC is a true collateral lender. While our Loan to Value thresholds, pricing, and structure are typical of other collateral lenders, our Direct Portfolio products are fully customized to our clients’ needs. Our products are an ideal solution for deals that don’t conform to typical private capital loans, as pricing and structure can vary significantly with customized loans structures.

Loan types:

Land Loans

Development Loans

New Residential Construction Loans

New Multi-Unit Construction Loans

New Commercial and Industrial Loans

Fix and Flip Rehab Loans

Buy and Hold Bridge Loans

Types of Collateral:


Residential - non-owner occupant only

New Multi-Unit Construction Loans



We believe lending is a relationship business and enjoy talking to our clients about their financing needs. Give us a call today so that we can better determine transaction pricing and terms as they relate to your specific situation.

What is a Portfolio Direct Private Capital Lender?

As a Portfolio Direct Private Lender, 1892 Capital operates as a non-bank creditor with the ability to directly fund loans for our clients without using an intermediary investment bank. This means we originate mortgage loans for our clients and hold a portfolio of said loans, versus selling them to a secondary market. Because we have complete control of the money we’re lending, we aren’t beholden to third-party investors and have the flexibility to make the best-informed and most financially sound decisions for our clients’ lending needs.  
When compared to traditional bonds and traded loans, direct lending has also historically produced higher absolute and risk-adjusted returns. This is because direct private capital lenders focus less on a clients’ credit and more on a clients’ collateral. If you have the proper collateral, we’re ready to achieve your lending goals.

Our Lending Process

We like to get to know our clients, which means initiating the lending process is as easy as giving us a call. If we’re able to fund your specific transaction, we can give you guidance within minutes. We’ll also follow up by sending over a conditional term sheet, which explains our commitment, clear conditions, and process for closing your loan.

Step 1:

The lending process is as easy as giving us a call.  As a collateral and relationship lender we like to get to know our clients which means getting to know and your specific situation.

Step 2:

Within 10 minutes on the phone we are typically able to give you guidance if we can fund your transaction.

Step 3:

We then email a conditional term sheet indicating our commitment, clear conditions, and close.  

Step 4:

Closing a loan with us is therefore as simple as a phone call!


We are happy to work with brokers through all steps of the process. If your commercial client has financing needs, feel free to contact us.

About Us

1892 Capital Partners has deep roots in Washington state and its partners have been in the industry of private capital lending for decades. We are invested in our community and committed to providing strategic lending to help growth.

Contact Us

Please call us at 253.592.3452 or send us an email at charlesf@1892capital.com to discuss your financing needs

Recent Loans


51st Street