A cooperative approach to private real estate lending
Sterling Private Capital is a U.S.-based cooperative of private lenders dedicated to providing transparent, fair, and community-driven real estate financing solutions.
We work with borrowers who may not fully fit traditional banking criteria but demonstrate strong projects, real capacity, and a commitment to long-term stability.
About Us
Sterling Private Capital was founded by individuals who have personally experienced foreclosure, eviction, and financial exclusion within the traditional U.S. banking system.
For many of our founding members, rigid banking practices, opaque loan terms, sudden rate increases, and impersonal servicing led to the loss of homes, destabilized families, and long-term financial harm.
Rather than remaining victims of a system that failed them, these individuals chose to organize, pool knowledge, and rebuild access to capital through a cooperative model grounded in lived experience.
As a cooperative, we prioritize
* Human-centered underwriting based on real-life situations, not algorithms alone
* Transparency at every stage of the lending process
* Prevention of avoidable foreclosures through sustainable loan structures
* Long-term relationships over short-term profit
* Full compliance with U.S. federal and state lending regulations
We are not a bank. We are a cooperative platform created by people who understand firsthand what happens when lending lacks humanity — and who are committed to doing it differently, responsibly, and legally.
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
Our solution is not reckless lending — it is **responsible, sustainable, and transparent private capital**, designed to prevent repeat harm while strengthening communities and protecting cooperative members.
Why choose us?
Sterling Private Capital facilitates access to private real estate financing specifically designed to address the failures of traditional mortgage lending.
“Sterling Private Capital exists because losing a home should never be the default outcome of a financial setback.”
Why Our Rates Matter
Lower isn’t just a number. It’s stability.
Traditional banks advertise low rates — until life happens.
Sterling Private Capital offers cooperative rates between 6.2% and 8.8%, combined with:
structured refinancing paths
human-based underwriting
foreclosure prevention by design
Each financing solution is designed to
- Avoid payment shock caused by sudden rate increases
- Maintain clear, predictable terms
- Align borrower capacity with repayment obligations
- Protect both borrower dignity and lender capital
All financing requests are reviewed individually. Approval depends on project quality, borrower profile, collateral, and applicable regulations.
""No loan is guaranteed until a formal agreement is executed.""
For Borrowers
Sterling Private Capital was created by people who know what it means to lose a home — and what it takes to rebuild.
We understand that traditional lenders often decline applications due to:
* Non-standard income structures
* Credit damage following foreclosure or hardship
* Time-sensitive real estate situations
* Algorithm-based decisions with no human review
Our cooperative evaluates each request with a broader, more human perspective while maintaining responsible lending standards.
Our Cooperative Refinancing Model
We don’t trap borrowers. We transition them.
Our cooperative structure allows borrowers to:
begin with flexible private financing
stabilize their financial situation
refinance internally at lower cooperative rates
The result is reduced long-term cost and protected homeownership.
Our Financing Solutions
Sterling Private Capital 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
Short-term bridge financing designed to stop imminent foreclosure or forced sale. These loans provide borrowers with immediate liquidity while a long-term solution (sale, refinance, restructuring) is prepared.
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.
Testimonials
"We were approved by Sterling Private Capital 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."
Daniel & Sophia M. – Texas
"After foreclosure, I thought homeownership was over for me forever. Sterling Private Capital 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."
Angela T. – Georgia
“I was weeks away from losing my home. The bank refused to restructure, even though my income had recovered. Sterling Private Capital 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.”
Michael R. – Florida
“As a business owner, my income didn’t fit the bank’s boxes. Sterling Private Capital 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.”
Carla S. – California
“Sterling Private Capital approached my investment like a partnership — risk, exit, numbers. No pressure. No hype. Just disciplined private capital. That’s rare.”
Robert K. – Arizona
Business Hours
Monday to Friday: 9:00 AM – 5:00 PM
Saturday: 10:00 AM – 3:00 PM
Sunday: Closed
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