Worker on a ladder renovating the exterior of an older two-story house
Private & Hard Money Lender · Wichita, KS

Fund Your Next Real Estate Deal Without Waiting on a Bank

Private money and hard money loans for Wichita real estate investors. Get fast decisions, flexible financing, and funding from people who understand the deal because we're investors too.

Submit Your Deal Talk With a Lender

Fix & Flip • BRRRR • New Construction • Bridge Loans • Rentals • DSCR • Portfolio Loans

Wichita real estate investor loans

Real Estate Investors Funding Real Estate Investors

We’re not just lenders, we’re investors

You shouldn't have to explain ARV, rehab budgets, holding costs, rental income, or your exit strategy to someone who's never done a real estate deal.

Seek First Capital understands the numbers because we understand real estate investing. We're a Wichita-based capital partner built to help investors move when the right opportunity comes along.

Wichita Based
Investor Focused
Flexible Financing
Local Market Knowledge
Relationship Driven
The problem

You Found the Deal. Now You Need the Capital.

Good real estate opportunities don't always wait for traditional financing. Sellers have deadlines. Properties attract competing offers. Rehab projects need capital. Investors need financing that understands how real estate deals actually work.

That's where Seek First Capital comes in.

Banks Move Too Slowly

Traditional lending timelines and underwriting don't always fit investment opportunities.

Every Deal Is Different

A fix-and-flip, rental, BRRRR, construction project, and bridge loan shouldn't all be evaluated the same way.

Good Deals Don't Wait

When the numbers make sense, investors need a financing partner who can understand the opportunity and help them determine the next step.

Don't let financing be the reason you lose the deal.Submit Your Deal
Loan options

Financing Built for Real Estate Investors

From your first investment property to your next portfolio acquisition, Seek First Capital helps investors explore financing built around real estate.

Fix & Flip Loans

Financing for investors acquiring and renovating properties for resale.

Explore Fix & Flip Financing

BRRRR Financing

Capital for investors using the Buy, Rehab, Rent, Refinance, Repeat strategy.

Explore BRRRR Financing

Bridge Loans

Short-term financing for acquisitions, renovations, stabilization, or transitions into permanent financing.

Explore Bridge Loans

New Construction

Financing options for qualified real estate investment construction projects.

Explore Construction Financing

DSCR Loans

Rental-property financing evaluated primarily around the property's income and ability to support the debt.

Explore DSCR Loans

Portfolio Financing

Solutions for experienced investors acquiring, holding, or refinancing multiple investment properties.

Explore Portfolio Financing

Transactional Funding (Double-Close)

Short-term capital for wholesalers and investors completing back-to-back closings. We fund your A-to-B purchase so you can close the B-to-C sale, often on the same day, without using your own cash.

Ask About Transactional Funding
Why Seek First

Investors First. Funders Second.

We're not a national call center trying to understand Wichita real estate from a spreadsheet.

We're real estate investors ourselves.

We understand acquisitions, renovations, ARV, rentals, construction, holding costs, timelines, and exit strategies because these are the same things investors think about every day.

When you bring Seek First Capital a deal, you're talking to people who understand the investment—not just the loan application.

  • As little as 3 days
    to clear-to-close on qualifying deals
  • Up to 100%
    of purchase & rehab, up to 70% of ARV
  • 0–8 month
    terms for fix-and-flip projects

Subject to deal review and approval. Terms vary by property, borrower, and project.

Meet the Team
Micah Harder of Seek First Capital shaking hands with a Wichita real estate investor in front of the Keeper of the Plains
How it works

Getting Funded Shouldn't Be Complicated

01

Submit Your Deal

Send us the property address and basic numbers, including purchase price, estimated rehab budget, projected ARV, and your plan for the property.

02

Review Your Options

We'll look at the opportunity from an investor's perspective and discuss potential financing options.

03

Close & Get to Work

Once the deal and financing are approved and everything is ready to close, move forward with the property and execute your plan.

Submit Your Deal
Deal stories

Real Deals. Real Investors. Real Results.

See how Seek First Capital has helped real estate investors move opportunities forward.

Investor Story

Brayden Myers: From Bankruptcy to a Real Estate Portfolio

In this interview, Brayden shares how he rebuilt after bankruptcy and grew his real estate portfolio, deal by deal.

Watch the full interview on YouTube
Illustration of a single-story house before and after renovationPlaceholder deal story

[Project type] in [Wichita neighborhood]

Challenge
[Financing challenge the investor faced]
Solution
[How Seek First Capital structured the financing]
Result
[Outcome for the investor]
Purchase[with permission]Rehab[with permission]ARV[with permission]Funded / Closed[with permission]
Illustration of a brick house before and after renovationPlaceholder deal story

[Project type] in [Wichita-area city]

Challenge
[Financing challenge the investor faced]
Solution
[How Seek First Capital structured the financing]
Result
[Outcome for the investor]
Purchase[with permission]Rehab[with permission]ARV[with permission]Funded / Closed[with permission]
Illustration of a stone-front house before and after renovationPlaceholder deal story

[Project type] in [Wichita neighborhood]

Challenge
[Financing challenge the investor faced]
Solution
[How Seek First Capital structured the financing]
Result
[Outcome for the investor]
Purchase[with permission]Rehab[with permission]ARV[with permission]Funded / Closed[with permission]

Have a Deal Like This?

Submit Your Deal
Google Reviews

What Wichita Investors Say About Working With Us

5.0 rating on Google · 13 reviews

★★★★★
“Tracy and the team at Seek First Capital are responsive, flexible and focused on client success. We’ve done four deals with them and I expect to do more. I love that we’re dealing directly with decision makers.”
Benjamin W. · Google review
★★★★★
“Tracy DeWitt at Seek First Capital took a chance on me when many lenders probably wouldn’t have… Over the last two years I’ve used Seek First Capital to fund several houses, and they’ve always been fair, straightforward, and fast when it comes to funding.”
John C. · Google review
★★★★★
“Tracy is so easy to work with! Everything went smoothly and our houses were flipped and sold quickly. It’s hard to trust people in this business but Tracy is an honest and fair person.”
Jonna I. · Google review
★★★★★
“Worked with Tracy for funding on a flip. Couldn’t have been quicker or easier. Working now with Micah on a DSCR refinance. He has kept the same level of service as Tracy has.”
Sean C. · Google review

Read all our reviews on Google

Meet the team

Your Local Capital Partners

Real estate financing is easier when the people on the other side of the table understand real estate.

Tracy DeWitt, founder of Seek First Capital

Tracy DeWitt

Founder

Tracy built his own Wichita real estate portfolio from the ground up and started Seek First Capital to give local investors a lender who's been in the trenches. He mentors flippers through rehabs and helps investors scale—focused on long-term relationships, not one-off transactions.

Micah Harder, senior loan officer at Seek First Capital

Micah Harder

Senior Loan Officer

Micah comes from real estate wholesaling and investing, so he's sat on your side of the closing table. He reviews deals with an investor's eye, communicates early and often, and keeps your loan on track from first call to final wire.

Meet Seek First Capital

Micah Harder, senior loan officer at Seek First Capital
Book a deal analysis

Meet With Micah

Pick a time to walk through your deal with our senior loan officer. We'll look at the numbers, talk through financing options, and map out next steps.

  • Have your property address ready
  • Bring your deal summary and numbers
  • Include a scope of work if you have one

Private Money & Hard Money Lending in Wichita, Kansas

Seek First Capital is a Wichita, Kansas private money lender serving real estate investors. We provide financing solutions for fix-and-flip properties, BRRRR investments, bridge loans, new construction, rental properties, DSCR loans, land, and real estate investment portfolios.

Our team works with investors who need a financing partner that understands real estate, local market conditions, property values, renovation projects, and investment strategies.

FAQ

Questions Real Estate Investors Ask Us

What is a hard money loan?
A hard money loan is a short-term real estate loan that's based mainly on the property and the deal—not just the borrower's income or credit history. Investors often use them to buy and renovate properties quickly. The loan is usually repaid when the property is sold or refinanced.
What is private money lending?
Private money lending is financing that comes from a private company, fund, or individual instead of a bank. Because the lender sets its own guidelines, it can often evaluate investment deals with more flexibility and speed. Seek First Capital is a private money lender for real estate investors.
What's the difference between hard money and private money?
The terms overlap and are often used interchangeably. "Hard money" usually refers to short-term, asset-based loans focused on the property's value. "Private money" is a broader term for any non-bank real estate financing. What matters most is how the lender evaluates the deal and whether the terms fit your plan.
Does Seek First Capital offer hard money loans in Wichita?
Yes. Seek First Capital provides private money and real-estate-focused financing for qualified investment opportunities in Wichita and the surrounding area, including fix-and-flip, bridge, land, new construction, rental/DSCR, cash-out refinance, and portfolio loans.
How quickly can private money financing close?
It depends on the deal. Qualifying deals can move from application to clear-to-close in as little as 3 days, but timing always depends on the property, the borrower, documentation, title, and other transaction requirements. Submitting complete deal information up front helps things move faster.
What do I need to submit a deal?
Start with the basics:
  • Property address
  • Purchase price
  • Rehab budget
  • Estimated ARV
  • Investment strategy
  • Expected exit strategy
A scope of work and photos are helpful but not required to get started.
What is ARV?
ARV stands for After Repair Value—what the property should be worth once the renovation is finished. Investors and lenders estimate it using recent comparable sales of similar, updated homes nearby. It's one of the key numbers we use to size a fix-and-flip loan.
Do you offer financing for BRRRR properties?
Yes. BRRRR investors can use our purchase-and-rehab financing to buy and renovate the property, then our cash-out refinance or rental/DSCR loans when it's time to refinance and hold.
Do you offer DSCR loans?
Yes. We offer rental/DSCR loans, which are evaluated primarily on the property's rental income and its ability to cover the debt.
Do you finance new construction?
Yes. We offer new construction loans for qualified real estate investment projects, as well as land loans.
What areas does Seek First Capital serve?
We're based in Wichita, Kansas, and lend on investment properties in Wichita and the surrounding area. If your deal is nearby and you're not sure it qualifies, send it over and we'll let you know.
Our fund

Invest With Seek First Capital

Seek First Capital Fund 1 is a private debt fund specializing in lending for residential and commercial investment properties.

Are you an accredited investor who wants a more passive way to invest in real estate? The fund targets 10%+ returns with quarterly payouts.

Learn about investing with Seek First Capital

For accredited investors only. Target returns are not guaranteed.

Seek First Capital funding track record: 400+ deals funded and $60M+ funded full cycle

Have a Deal? Let's Look at the Numbers.

Send us the property and basic deal information. We'll review the opportunity and talk through potential financing options.

Prefer to talk it through?

Tap to Call a Lender