PAF competes with commercial banks  through speed and creative structuring rather than low interest rates.  As a Private lender, PAF is not encumbered with the regulations, and borrower credit issues, of traditional banks and can close in as little as 10 days by focusing on the collateral and the loan to value ratio. 

 

Private Lenders do not compete with traditional banks on pricing .  Our cost of funds is higher - plain and simple. 

 

However, if investors compare the incremental cost of borrowing PAF’s private, short-term money, to the cost of a lost opportunity, they clearly understand the value.

 

When deal timing is critical, this incremental cost is usually immaterial when the profit can be quite significant.