Get quick, simple, and reliable funding
with Rain City.
From Fix & Flip to DSCR rentals and Ground-Up Construction, Rain City Capital delivers responsive funding and a streamlined process for investors, all powered by Real and Lasting Mutual Success.
Approvals in 24-48 Hours
✅
16+ Years Industry Experience
✅
Investor-first Underwriting
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Lending in 20+ States
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Approvals in 24-48 Hours ✅ 16+ Years Industry Experience ✅ Investor-first Underwriting ✅ Lending in 20+ States ✅
Trusted Lenders for Real Estate Investors
Personal Partnership
Growth Support
Creative Solutions
At Rain City Capital, we help real estate investors move quickly with clear guidance and reliable funding solutions. Our team brings hands-on industry expertise to support smart decisions at every stage of your investment journey. We take the time to understand your goals and offer flexible, creative lending options that keep your projects moving and your portfolio growing.
Know Your Goals
We align every loan with your investment strategy.
Solve Challenges
Rely on expert support for market shifts and complex deals.
Scale Your Portfolio
Flexible lending options to fuel long-term growth.
Loan Products That Fit Your Investment Style
Buy and renovate a property with the intent to sell it for a profit.
Purchase income-generating properties, such as multi-unit dwellings or rental homes.
Secure an asset-based loan that prioritizes a property’s projected value, before and after construction completion.
Everyone wants to be successful, no matter what we’re trying to do. What makes Rain City different is the phrase: real and lasting. Not only do we want to succeed, we want you to succeed. Which means we’ll never fund a loan we don’t believe in.
Real and lasting mutual success is why we’ve originated thousands of loans in more than 15 years in business. It’s why the majority of our loans are from repeat customers who were happy with their deals.
It’s why we’ll work tirelessly to make sure your deal succeeds. Because that’s who Rain City Capital is and that’s what we believe. We’re your reliable partner for the following financing options:
Real and Lasting Mutual Success
Our Mission:
Rain City Capital is a full-service hard money lender headquartered in Seattle with deep experience in the local market. While we got our start providing hard money loans in the Pacific Northwest, we now serve real estate investors nationwide and currently lend in over 20 states, covering nearly 40% of U.S. real estate markets.
Use the map below to explore where we lend and select your state to view available loan programs and connect with our local contacts.
Find Hard Money Loans Near You
Rain City Capital currently lends in Alabama, Arizona, Arkansas, Colorado, Connecticut, Florida, Georgia, Indiana, Kansas, Missouri, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virgina, Washington State, Washington D.C., and Wisconsin.
(Rain City Capital of Oregon NMLS #136679).
Don’t see your state?
Why Choose Us as Your Hard Money Lender?
See why we’re a trusted choice for business-purpose real estate financing.
15+
Years in the Industry
Yeah, we remember the 2008 crash. We lived through it, we learned and decided to do better. That’s why we always put our borrowers first.
80%+
Repeat Borrowers
Many of our borrowers come back to us time and again because for us, it’s not about a quick buck. We prioritize decision-making for the long term.
$2B+
In Loans Funded
From flips to short sales, escrow and ground-up construction loans, we have experience in just about any type of investment you could make.
Customer Testimonials
Explore our latest reviews to see what local professionals say about our valuable partnerships and funding for real estate investors.
Clients have said:
Partner with Rain City Capital for a seamless, stress-free experience. Follow a few steps to get started.
Our Straightforward Process
Spend about seven minutes filling out our online application
Step One: Apply Online
After reviewing your request, our experts can provide same-day approvals within hours and close in days. Based on your experience and loan product, we typically offer 12-month loans with 10-12% interest rates.
Step Two: Hear Back Quickly
Once your hard money loan is in place and funds have been wired, it’s time to get to work. With borrower-controlled draws, you stay in the driver’s seat—pull what you need, when you need it, to keep your project moving. Finish strong, and when you’re ready for your next deal, we’ll be ready too.
Step Three: Receive Your Funds
Learn More About Our Financing for Real Estate Investors
Rain City Capital is a hard money lender for fix-and-flips, short sales, foreclosures, long-term rentals and more. Every loan we fund for you is a commitment to helping you reach your investment goals. Call or contact us to learn more about our financing opportunities.
Ready to get a loan for multifamily, single-family, condos, ground-up construction, and more? Apply online or submit a deal for expert review today.
As Seen In
We made the list!
We are thrilled to announce that Rain City Capital has been recognized on the prestigious 2024 Inc. 5000 list, ranking at No. 2858! This achievement highlights our company's impressive 177 percent revenue growth over the past three years.
In addition to our overall ranking, Rain City Capital also earned distinctions in several key categories:
#174 in Financial Services
#45 in Washington State
#36 in the Seattle Market
This marks our fourth appearance on the Inc. 5000 list in our 15-year history….
