Scott began his career in mortgage lending as a traditional mortgage broker, spending his first 16 years originating conventional home loans and closing hundreds of transactions.
Later, he spent six years as a bridge loan broker for one of the nation’s leading real estate education companies, building a team that funded approximately 1,000 fix-and-flip and rental property loans. It was during this period that USA Private Money was created.
When the 2020 shutdowns hit, the business was forced to pivot. Rather than rebuilding a large staff and office infrastructure, Scott decided to redesign USA Private Money as a boutique lifestyle lending business.
After years of dealing with the unpredictable nature of renovations and contractors, Scott adopted a much simpler strategy:
Only lend on properties with significant equity — typically around 50% LTV — and avoid renovation dependencies.
Our priorities are simple: First, the return of capital. Second, the return on capital.
USA Private Money is intentionally structured for flexibility, freedom, and quality relationships. It’s not about being the largest; it’s about being the most sustainable and effective for both the borrower and the investor.
USA Private Money does not run a construction or renovation draw process, because it is an equity-based bridge and estate lender rather than a fix and flip or ground-up construction lender. It lends on the property’s value to provide liquidity (for probate, estate, bridge, and business-purpose situations), funding at closing rather than in stages as a rehab or build progresses. There is no draw request method, inspection process, or per-draw turnaround published on its site, and none would be expected for these loan types. What USA Private Money does publish is speed: it can close in as little as 7 to 10 days, with many loans closing in about a week. For investors who need draw-funded rehab or construction financing, USA Private Money is a fit for fast, equity-based bridge and estate liquidity rather than a phased construction draw program. Its site includes a fix and flip calculator tool, but it does not originate rehab or construction draw loans.
USA Private Money, LLC is a boutique private lender offering equity-based bridge loans secured by residential real estate, with programs for probate and estate loans, bridge loans, and business-purpose loans, lending on property value rather than credit or income.
• Probate and estate loans for heirs, executors, and estates needing liquidity.
• Bridge loans secured by residential real estate, available in first and second lien positions.
• Business-purpose loans for investors and business owners.
• USA Private Money does not publish leverage figures (LTV, LTC, or ARV); it qualifies on property value rather than credit or income.
• It serves estates, heirs, executors, investors, and business owners, and is not a fix and flip or construction hard money lender.
USA Private Money, LLC is a boutique private lender offering equity-based bridge loans secured by residential real estate, with programs for probate and estate loans, bridge loans, and business-purpose loans. It is not a fix and flip or construction hard money lender. It serves estates, heirs, executors, investors, and business owners, lending on property value rather than credit or income, in first and second lien positions.
