Frequently Asked Questions

Our biblical business coaching and consulting services help individuals and businesses align their operations with biblical principles. We guide clients in building a solid foundation of integrity, stewardship, and faith, ensuring their ventures glorify God and achieve sustainable success.

Yes, we provide comprehensive bookkeeping services, including:

• Accurate Record-Keeping: Organizing and maintaining financial records.
• Financial Statement Preparation: Offering clear, actionable insights into your business’s
financial health.

These services are designed to help you manage your finances with clarity and confidence.

We offer a full range of notary services, including:

• Mobile Notary Services: Meeting clients at convenient locations.
• Remote Online Notarization (RON): Providing secure notarizations online for your convenience.
• Legal and Business Documents: Acknowledgments, affidavits, jurats, and more.
• Real Estate Transactions: Deeds, investment property loans, refinances, and HELOCs.

Our services are certified, professional, and available across Maryland and the Washington, DC Metro area.

At Paulas365, as a Certified Private Money Lender, we specialize in offering flexible financing solutions to support your financial and investment goals:

• Real Estate Investment Properties: We provide tailored loan options for non-owner-occupied
properties, helping investors expand their portfolios.
• Business Loans: Our structured lending solutions are designed to empower businesses to grow, succeed, and achieve their objectives.

Additionally, as an investor-focused company, we:

• Support Investors in Buying and Selling Properties: Whether you’re looking to purchase or sell, we guide you through every step of the process with expertise and efficiency.
• Purchase and Sell All Types of Properties: From residential to commercial properties, we buy and sell to meet a wide range of investment needs.

Our mission is to help clients achieve their financial goals while building generational wealth through strategic lending and investment opportunities.

Yes, we provide financing options for:

• Real Estate Investment Properties: Loans structured for non-owner-occupied properties.
• Business Lending: Custom solutions to meet your specific business needs.

At Paulas365 Lending, we are committed to providing swift and efficient service. For fix-and-flip deals, we can close in as little as 72 hours, ensuring you receive the funds you need promptly.

Please note that timelines may vary depending on the loan product and are significantly influenced by the investor's preparedness and responsiveness in providing the required documentation. Our team works diligently to expedite the process and keep you informed every step of the way.

At Paulas365 Lending, we provide flexible financing options to meet your investment and business
needs:

• Real Estate Investment Loans: Minimum of $50,000 and up to $10,000,000.
• Business and Commercial Loans: Financing available up to $100 million.

If your loan request falls outside these parameters, don’t hesitate to contact us. We are committed to crafting tailored solutions and may be able to connect you with options that align with your unique requirements.

Our team is dedicated to structuring the right loan to support your goals—whether it’s for expanding your real estate portfolio, growing your business, or pursuing other financial opportunities. At Paulas365 Lending, your success is our priority!

At Paulas365 Lending, we proudly serve clients across a wide range of states, offering tailored lending solutions to meet your needs. However, there are a few states where we currently do not provide loans:

• New Jersey (NJ)
• North Carolina (NC)
• New York (NY)
• North Dakota (ND)
• Arizona (AZ)
• California (CA)
• Idaho (ID) 
• Oregon (OR)

As our coverage continues to expand, we remain committed to providing exceptional service and flexibility in the states we do serve. If you’re unsure about eligibility in your state, feel free to contact us for clarification and assistance

Getting started with a loan for your investment property is quick and easy:

1. Connect With Us:
Reach out to one of our experienced loan analysts by calling, texting, or emailing our office.
We’re here to assist you at every step.

2. Provide Essential Details:
When contacting us, please include:

• Your full name
• A reliable phone number
• Your email address
• A brief overview of your project, including:
  ▪ Property details and your investment goals
  ▪ Credit score, if available
  ▪ Purchase price, estimated repair costs, and after-repair value (ARV)
  ▪ The loan amount needed
  ▪ Information about your access to credit and cash reserves (20-25% down is typical for most transactions, but we can assist with GAP funding where needed).

3. Guided Process:
Once we receive your information, our loan analysts will promptly follow up to guide you through the next steps. We’ll work with you to ensure a smooth and efficient process tailored to your specific investment needs.

At Paulas365 Lending, we specialize in financing non-owner-occupied properties. This means that your investment property must be used solely as an investment and cannot serve as your personal residence during the project.

If your goal is to occupy part of the property, we recommend exploring other financing options that cater to owner-occupied scenarios. Our team is happy to answer any questions or guide you toward a solution that aligns with your goals.

At Paulas365 Lending, we focus on asset-based lending, which means the strength of the property or project is more important than your credit score. While a credit score of 600 or higher is typical, we are not strictly credit-score-driven and often work with borrowers who have lower scores.

If your credit score is below 600, don’t hesitate to reach out—we may still have solutions tailored to your situation. Our primary concern is the viability of your investment property, not just your personal credit.

Please note that while credit and experience may influence the pricing of your loan, they are not barriers to securing funding. Our mission is to provide flexible, opportunity-driven solutions to help you succeed.

At Paulas365 Lending, we offer logic-based loans that focus primarily on the strength and potential of your investment deal rather than traditional credit criteria. However, we do check credit for two key reasons:

1. Review of Financial History: To ensure there are no recent defaults or financial red flags that
   could impact the loan process.
2. Loan Pricing: Your mid-FICO score helps our in-house lender determine the interest rate and terms of your loan.

Unlike traditional banks, we don’t rely solely on credit scores to make funding decisions. Instead, we prioritize the viability of your project while tailoring loan terms that align with your circumstances.

Yes, having a bankruptcy in the past does not automatically disqualify you from obtaining an investment loan. In most cases, as long as 12 months or more have passed since the bankruptcy, you may still qualify for financing.

At Paulas365 Lending, we focus on the strength of your investment property and your overall ability to succeed with the project, rather than solely on your financial history. If you have concerns about a past bankruptcy, contact us to discuss your options—we’re here to help find a solution

Absolutely! At Paulas365 Lending, we welcome new investors and understand that everyone has to start somewhere. Your lack of experience does not disqualify you from obtaining a loan.

While your experience level and mid-FICO score may influence the pricing of your loan, our primary focus is on the strength and potential of your investment project. We’re here to support you as you take your first steps in real estate investing and help you achieve success.

Yes, at Paulas365 Lending, we provide financing for new construction projects, subject to specific underwriting guidelines and an evaluation of the project's feasibility.

To qualify, it's important to have your permits for construction fully approved prior to applying. Our team will work with you to ensure your project aligns with our criteria and help you secure the funding needed to bring your vision to life.

The requirement for an appraisal depends on the lender:

• In-House Lending: Our in-house lender requires a full appraisal on all loans to ensure accurate valuation before closing.
• Partner Lenders: Many of our lending partners do not require a formal appraisal. Instead, they may use a Broker Price Opinion (BPO) or other valuation methods to assess the property.

We’ll guide you through the process and clarify the specific requirements for your loan, ensuring a seamless experience tailored to your needs.

Absolutely! For just $34.97, we provide a cost-effective solution to eliminate uncertainty when evaluating potential investment properties. Our Collateral DNA Report offers a comprehensive property valuation that is as close as possible to a professional appraisal—without the hefty price tag.

This service covers approximately 95% of residential investment properties nationwide, giving you the insights you need to make informed decisions.

Contact us today at Paula@Paulas365Capital.com to request your report and take the guesswork out of your investment process!

Yes! Proof of Funds (POF) letters are often required by real estate agents to accompany purchase offer contracts before submitting them to sellers. At Paulas365 Capital, we make it easy for you to obtain one for just $19.97.

Our POF letters are available for investment properties across the nation, except for properties located in

• Arizona
• Minnesota
• Nevada
• Oregon
• South Dakota
• Utah
• Vermont

To generate your Proof of Funds letter, we’ll need the following details:

1. Business or Entity Name (Note: Funding is not available for individuals).
2. Full Address of the Investment Property.
3. Expected Loan Amount.

How to Request:
Contact us at Paula@Paulas365Capital.com to get started!

Important Notes:

• Eligibility: Paulas365 Capital provides financing exclusively for the acquisition of non-owneroccupied residential properties (investment properties with up to four units).
• Responsibility: We are not liable for any misuse of POF letters or errors in provided information (e.g., typographical errors or inaccuracies).
• No Refunds: POF letters are non-refundable and subject to the stated terms and notices.
• No Obligation: Issuance of a POF letter does not establish any financial obligation or commitment between Paulas365 Capital and the recipient.

Let us support your next investment by providing the proof you need to proceed with confidence!

The best time to shop for financing is after you have the property under contract. One of the most common mistakes we see investors make is looking for funding too early, before securing the property.

1. Why wait until the property is under contract?

• Until the property is under contract, it remains available to other buyers, making it risky for lenders to dedicate time and resources.
• Lenders are more likely to provide favorable terms when they know the property is secured and a purchase agreement is in place.

2. How to Secure the Property Under Contract:
Follow these 4 easy steps:

1. Prospect and Review Potential Properties.
2. Write Offers.
3. Get the Offer Accepted by the Seller.
4. Put Earnest Money in Escrow to finalize the contract.

Once these steps are complete, you’ll have a fully executed Purchase and Sale Agreement, which means the property is under contract and you’re ready to shop for funding.

If you’re prepared to move forward and would like to receive a term sheet, fill out the form at the bottom of the page, and we’ll respond within 24 business hours. At Paulas365 Capital, we’re here to help you secure the cash you need to close your deal.

Private money lending offers several advantages that make it a preferred choice for real estate investors. Here are five key reasons why investors turn to private money lenders like Paulas365 Capital:

1. It’s Fast:

• Speed is critical in the real estate business, especially for fix-and-flip projects.
• Private money loans can be secured in days or weeks, depending on how quickly you submit your loan package, compared to the 1-3 months typical with traditional financing

2. It Focuses on Collateral, Not You:

• Private money lenders prioritize the value of the property over your credit score.
• The property itself serves as the collateral, making it easier for investors to secure funding even with less-than-perfect credit.

3. It’s Accessible:

• Private money is readily available from individuals with funds in lower-yielding vehicles like CDs, stocks, or IRAs who want higher returns through real estate lending.
• This creates a diverse pool of lenders looking to invest in lucrative opportunities.

4. It’s Creative:

• Banks often avoid properties needing repairs or unconventional deals, but private money lenders see these as opportunities.
• Private money enables funding for promising investment properties that don’t meet traditional lending criteria.

5. It’s Flexible:

• Private lenders aren’t bound by rigid guidelines, allowing them to creatively structure loans tailored to your project’s needs.

Having a trusted private money lender, like Paulas365 Capital, on your team provides confidence to pursue and secure properties under contract. As long as you:

• Find a no-brainer deal that fits our guidelines,
• Conduct the necessary due diligence, and
• Submit a complete application,

You can be assured your deal will be funded.

The upfront fees depend on the type of loan and the lender involved:

1. In-House Lending:

• If you proceed with a loan through our in-house lender, there is typically an application fee of up to $500 or more, depending on your situation.
• This fee covers essential processes, such as setting up your file, opening the technology portal, and other administrative tasks.
• The fee can be conveniently paid via PayPal.

2. Lending Partners:

• When your loan is funded through one of our lending partners, there are no upfront application fees required from us.

We are transparent about all costs and work to ensure you understand any fees involved before proceeding. Contact us for details or to discuss your specific situation!

The duration of your loan depends on the type of financing you choose:

1. Short-Term Loans:

• Most of our loans are designed for a term of 3 to 24 months, ideal for fix-and-flip or short-term investment projects.
• If we secure funding through one of our lending partners, loan terms may vary based on their specific programs.

2. Rental Property Loans:

• For rental properties, loans are typically amortized over 30 years, offering long-term financing stability.

3. Fix-and-Flip Loans:

• These loans are generally interest-only, providing flexibility for short-term use.
• In most cases, there are no pre-payment penalties, allowing you to repay the loan early without additional costs.

At Paulas365 Capital, we ensure loan terms are tailored to your project’s timeline and financial goals.
Contact us to explore the best options for your investment!

At Paulas365 Capital, we offer competitive funding solutions to help you start or grow your real estate portfolio. We can fund a wide variety of investment properties, including:

• Buy and Hold Properties: For long-term rental investments.
• Commercial Properties: To expand your commercial real estate portfolio.
• Fix and Flip Projects: For short-term investments aimed at renovation and resale.
• Multi-Family Properties: Ideal for rental income and larger investments.
• Single-Family Properties: For non-owner-occupied investment opportunities.
• Ground-Up Construction: Funding for new construction projects.

Important Note:

We do not fund primary residences. Our focus is solely on non-owner-occupied investment properties to support your real estate ventures.
Contact us today to explore funding options tailored to your property type and investment goals!

At Paulas365 Capital, we provide flexible and competitive funding solutions to help you start, grow, or expand your business. Here’s an overview of the funding options available to meet your unique needs:

1. Term Loans + Working Capital
Ideal for large purchases or expansion projects, term loans provide upfront funds with great rates and the option to reapply when needed.

• Loan Amounts: $10,000 - $5 Million
• Terms: 6 Months - 10 Years

2. Business Lines of Credit
Perfect for managing cash flow, buying inventory, or covering unexpected expenses. These revolving lines of credit offer access to cash as needed.

• Loan Amounts: $10,000 - $5 Million
• Terms: 6 Months - 10 Years

3. SBA Loans
Expedited Small Business Administration loans at competitive prime rates for working capital and growth. Our streamlined process ensures faster approvals

• Loan Amounts: $10,000 - $5 Million
• Terms: 10 - 25 Years

4. Equipment Financing
Specifically for purchasing business-related equipment, either through leasing or financing, to free up working capital while acquiring essential assets.

• Loan Amounts: $10,000 - $5 Million
• Terms: 1 - 6 Years

5. Commercial Financing
Designed for purchasing commercial properties such as office buildings, retail locations, warehouses, industrial facilities, multi-family properties, and more.

• Loan Amounts: Upwards of $100 Million
• Terms: Up to 30 Years

Why Choose Us?
We simplify the process by shopping multiple products to find the best deal for your needs. Whether you're looking for working capital, long-term funding, or flexible financing, we’re here to help you reach your business goals.

Contact us today to explore the best funding solution for your business!

Absolutely! At Paulas365 Lending, we’re committed to your success. When we fund your loan, we also offer free coaching to guide you through your project.

Our goal is to help you minimize risks and maximize success by providing expert insights and support every step of the way. Your success is our success, and we’re here to ensure your project achieves its full potential.

We take the time to understand your unique goals and needs, whether it's growing your business, managing finances, or closing a real estate transaction. Our services are customized to provide maximum value and align with your objectives.

At Paulas365 Capital, we’re excited to announce our Referral Program, designed to create mutually beneficial partnerships while rewarding those who refer clients to us. This program offers an excellent opportunity to earn extra income while supporting your network in securing funding for their real estate investments.

1. Send Us Your Leads:

• Whenever you meet a potential client who needs funding for their real estate investment,
  submit their information through our Contact Us page.

2. We Handle the Rest:

• Our experienced team will promptly follow up with the client, provide top-tier service,
  and guide them through the funding process to ensure a seamless experience.

3. Earn a Referral Bonus at Closing:

• Once the transaction successfully closes, you’ll earn a referral bonus.
• The bonus will be a minimum of 10% of our commission, with the exact percentage agreed upon before the transaction.

• Competitive Referral Bonuses:
   We value your referrals and ensure fair compensation for your efforts.
• Expertise and Professionalism:
  Our team comprises real estate funding experts who handle referrals with care and professionalism, ensuring client satisfaction.
• Client-Centered Approach:
  We prioritize exceptional service, resulting in happy clients and successful transactions.
• Streamlined Communication:
  You’ll stay informed about your referral’s progress throughout the process, ensuring transparency and collaboration.

Join the Program Today!

Becoming part of our referral program is simple and rewarding. Help your clients secure funding while earning extra income for yourself. Together, we can create strong partnerships and drive success for everyone involved.

To get started or learn more, contact us at Paula@paulas365capital.com. We look forward to building a fruitful and rewarding partnership with you!

At Paulas365, we stand apart from other services, coaches, consultants, and lenders by offering a unique blend of faith-driven principles, personalized solutions, and unwavering integrity. Here’s what sets us apart:

Faith-Based Approach
Unlike many others, our foundation is rooted in biblical principles, guiding every decision, strategy, and service we provide. Inspired by Proverbs 16:3, “Commit thy works unto the Lord, and thy thoughts shall be established,” we believe that true success stems from aligning your work with God’s purpose.

Comprehensive Expertise
With over 22 years of experience in entrepreneurship, real estate, business development, and financial services, we bring a wealth of knowledge to the table. We’re not just coaches or consultants; we’re partners who walk alongside you with tailored solutions that encompass:

• Business Coaching & Consulting
• Real Estate Funding & Opportunities
• Financial Management Services
• Investment Strategies & Partnerships

Integrity-Driven Lending
As a certified private lender, Paulas365 goes beyond transactional relationships. We understand the challenges faced by small business owners and investors and provide reliable, ethical, and transparent lending solutions that prioritize your success and long-term goals.

Personalized Support
We don’t believe in one-size-fits-all solutions. Every client’s journey is unique, and we take the time to understand your specific needs, goals, and challenges. This ensures that every strategy, resource, and service we provide is customized to help you succeed.

Empowering Generational Wealth
Inspired by Proverbs 13:22, “A good man leaveth an inheritance to his children’s children: and the wealth of the sinner is laid up for the just,” we aim to help you create a legacy that honors God and blesses future generations. Whether through sound financial practices, smart investments, or business growth, we equip you to build wealth that lasts.

A Mission of Service
At Paulas365, our mission is not just about business success but about living out God’s purpose in every endeavor. We serve with humility, dedication, and a commitment to your holistic growth— financially, professionally, and spiritually.

Partnering with Paulas365 means joining a company dedicated to integrity, purpose, and success.
Here’s why we stand out:

• Transparent Agreements:
  We prioritize clear terms and a straightforward process, building trust and confidence in every partnership.
• Trusted Services:
  Represent a company with a proven track record, rooted in biblical values and unwavering integrity, that supports clients with professionalism and care.
• Customizable Support:
  Access tailored marketing materials, comprehensive training, and valuable resources to help you effectively share our services and grow together.
• Shared Vision and Purpose:
  Become part of a mission that empowers entrepreneurs while honoring God in every endeavor. Together, we strive to glorify Him through our work and partnerships.
• Celebrate Success Together:
  Inspired by 2 Corinthians 9:7, “Every man according as he purposeth in his heart, so let him give; not grudgingly, or of necessity: for God loveth a cheerful giver,” we value and celebrate your cheerful efforts, embracing the joy of working and succeeding together.

By partnering with Paulas365, you join a community of like-minded professionals dedicated to making
a positive impact while fulfilling a higher purpose. Let’s build something extraordinary together!

You can schedule an appointment by:

• Phone: Contact us directly to discuss your needs.
• Email: Send us an inquiry, and we’ll respond promptly to schedule your service.

We are more than just a service provider—we are a partner in your journey. Whether you need strategic guidance, funding solutions, or investment opportunities, Paulas365 offers a trusted, faith centered approach to help you achieve your dreams with integrity and purpose.