The deals banks say no to are where Ryan Hermansky says yes.

Most hard money lenders are built to say no. Ryan Hermansky built a business around saying yes to the deals banks won't touch, and he explains exactly how he keeps it conservative, liquid, and profitable.

Ryan, president of Private Money Funding, reveals how his Arizona-based team funds commercial real estate loans, pays investors 9% with no fees, and keeps capital accessible even though it's tied to illiquid assets. If you've ever wondered how a liquid private lending fund actually works, this conversation pulls back the curtain.

You'll discover:

Why private money lenders thrive in the gap banks leave behind

How Ryan's team underwrites shopping centers, warehouses, raw land, and select residential-adjacent deals

The role of loan-to-value, exit strategy, and worst-case foreclosure planning in protecting investor capital

How a 506(c) fund changes the fundraising game for accredited investors

Why no lockups, monthly compounding, and a line of credit make liquidity possible

How IRA, 401(k), and even pension money can be moved into the fund through a custodian

Ryan also shares how his path from banking to medical device sales to cannabis dispensaries led to private lending, and why that unusual background shaped a far more conservative approach than most hard money shops. Loren adds hard-won perspective on fund structures, compliance, and the real-world friction investors hit when moving retirement money.

If you're an operator sitting on idle cash, a real estate investor looking for a passive allocation, or someone trying to understand how private credit can fit inside a broader portfolio, this episode is packed with practical takeaways. It's especially valuable if you want yield without becoming a landlord, and if you want to understand the questions that separate a strong fund from a risky one.

To hear how Ryan and his team structure deals, manage liquidity, and protect downside in commercial real estate lending, hit play.

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