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PRIVATE DEMO — Not a public site · Soft-quote figures are illustrative
Private real estate lending
Private lending, the way it should work.
Fair pricing. Full transparency. A team dedicated to your success.
Tell us about your deal. Our engine builds a custom structure around it — pricing determined by your risk profile, not by who you know or how well you negotiate.
8.5%
Rates from
85%
Max LTC
75%
Max ARLTV
<24hr
Soft quote turnaround
The problem we're solving
The private lending market has a transparency problem
Pricing in RTL lending has never been fair or consistent. Rates vary borrower to borrower with no clear rationale. Hidden fees appear at closing. Upfront costs are whatever the market will bear. The borrower — not the risk — determines the price.
King Harbor was built on a different premise: your rate should reflect your deal and your profile, nothing else. Our deal engine produces a custom structure for every borrower — transparent, fair, and consistent.
The industry norm
✕Opaque pricing — you negotiate blind
✕Hidden fees that surface only at closing
✕High upfront costs with no clear explanation
✕Rate depends on who you know, not your risk profile
✕Commission-driven LOs with misaligned incentives
King Harbor
✓Custom structure built around your deal
✓Every fee itemized before you apply — nothing hidden
✓Transparent upfront costs, clearly explained
✓Pricing driven by your risk profile, not negotiation
✓Salaried Client Success Managers — no commissions
How we price
Your deal. Your structure. Your price.
We don't publish a rate card. We don't negotiate. Our deal engine takes your profile — experience, credit, liquidity, project location, exit strategy — and produces a custom structure with pricing that reflects what your deal actually presents as risk.
How the deal engine works
Your profile
Experience, FICO, liquidity, net worth
→
Your deal
Purchase, ARV, rehab, exit, location
→
Custom structure
Rate, LTC, ARLTV — built for your deal
Net profit
$847K
IRR
28.4%
Your rate
8.500%
Max LTC
85%
Our approach
Three things we don't compromise on
Fair, transparent pricing
Every rate, fee, and term produced by our deal engine and shown upfront. No surprises at the closing table.
Aligned incentives
Our Client Success Managers are salaried — not commissioned. Their only job is getting your deal closed well.
Deal-first decisions
We show you how we view your deal — profitability, returns, and how our financing impacts both — before you ever apply.
Ready to run your deal?
See your structure in under two minutes
No phone call, no waiting, no guessing. Enter your deal and see your returns in real time.
King Harbor Capital is licensed under the California Department of Real Estate. Loans made or arranged pursuant to DRE license. This is not a commitment to lend. All loans subject to credit and underwriting approval.
The process
From first look to funded
A process built around your deal — not our workflow. Full visibility at every stage, no black boxes, no surprises at the closing table.
1
Run your deal through the engine
Enter your deal parameters — purchase price, ARV, rehab budget, exit strategy, and location. Our deal engine builds a custom structure in real time, showing net profit, IRR, MOIC, and preliminary loan terms before you speak to anyone.
No phone call required
2
Complete your borrower profile
Tell us about your experience — flips completed, stabilized properties, your construction approach — along with your credit range, liquidity, and net worth. Every input is explained, every output is shown to you.
About two minutes
3
See your custom structure and soft quote
Your qualified rate, max LTC, and max ARLTV — produced by the engine based on your deal and profile. Every pricing adjustment shown and explained. Every fee itemized. Nothing added at closing that wasn't in your soft quote.
Fair pricing, fully transparent
4
Your Client Success Manager reaches out
A salaried Client Success Manager reviews your submission and follows up within one business day. Their compensation has nothing to do with your rate or fees.
Salaried, not commissioned
5
Submit your full application
Complete your loan application through our borrower portal — entity docs, property details, scope of work, and supporting financials — all in one place.
Digital, paperless
6
Underwriting, approval, and close
Our credit team underwrites against the same criteria the engine used. Day 1 draw funds at closing; rehab holdback releases against inspection milestones throughout construction.
Target close: 10–14 business days
Working with a broker?
We work with mortgage brokers and loan originators. Same deal engine access and transparent pricing — with clear, upfront compensation terms.
Ready to start?
Run your deal — no commitment required
See your custom structure and returns in real time.
King Harbor Capital is licensed under the California Department of Real Estate. Loans made or arranged pursuant to DRE license.
For brokers and loan originators
A lender your clients can trust
Transparent pricing, no hidden fees, and a Client Success Manager who helps your client close — not a commission-chasing LO working against your relationship.
Why brokers work with us
We protect your client relationship
Our Client Success Managers are salaried — no incentive to go around you, upsell your client, or undercut your position. Clear, upfront broker compensation. No surprises.
Your client, always
We work alongside your relationship, not around it. Your borrower stays yours.
Clear compensation
Broker fees agreed upfront and itemized in the soft quote. No renegotiation at closing.
Deal engine access
Run your client's deal through the same engine borrowers use. Show them their structure before you submit.
How broker submissions work
Simple, straightforward, transparent
1
Run the deal through our engine
Build a preliminary structure for your client's deal. See their qualified terms in real time before you submit.
Same engine, same pricing
2
Submit the deal
Submit with your client's profile, deal parameters, and broker compensation terms. Our team responds within one business day.
One business day turnaround
3
We handle the process, you keep the relationship
Our Client Success Manager works with your client through underwriting and close. Broker compensation paid at close, as agreed.
No surprises at closing
Ready to submit a deal?
Run it through the engine first
See your client's structure and preliminary terms before you submit.
King Harbor Capital is licensed under the California Department of Real Estate. Loans made or arranged pursuant to DRE license.
Our story
Built by people who knew it could work better
A decade in institutional RTL lending showed us exactly what was broken. King Harbor is what we built to fix it.
What we stand for
Three things we don't compromise on
Fair, transparent pricing
Pricing produced by our deal engine, shown upfront. Every fee itemized. Nothing hidden, nothing added at closing.
Aligned incentives
Salaried Client Success Managers whose only measure of success is yours. No commissions, no conflicts.
Built around your deal
Every structure is custom. Our engine takes your profile and your deal and produces terms that make sense for both.
The team
Experienced hands, built for this
KH
Founder and CEO
Chief credit officer
A decade in institutional RTL and business purpose lending at Calmwater Capital and Spreo Capital. Deep expertise across origination, underwriting, and capital markets for transitional real estate.
TS
Tyler Simpson
Co-founder, head of originations
Direct RTL origination experience across California markets. Deep product knowledge and borrower-facing expertise. Previously at Spreo Capital.
SL
Strategic advisor
Simond Lavian, Esq.
Legal and capital markets
Legal and credit background. Former Calmwater Capital. Existing relationships across institutional credit platforms and family office capital partners in the RTL lending space.
Work with a lender who's on your side
Fair terms, full transparency, real support
Run your deal through our engine and see what transparent pricing actually looks like.
King Harbor Capital is licensed under the California Department of Real Estate. Loans made or arranged pursuant to DRE license. This is not a commitment to lend. All loans subject to credit and underwriting approval.
KING HARBORCAPITAL
Deal Engine — Soft Quote
1
Contact
2
Profile
3
Experience
4
Consent
5
Deal model
Let us start with your contact information
We save your contact details now so your loan contact can help if you stop partway. No numbers are shown until you review and sign the consent step.
