Hard Money Loans
Asset-based real estate loans with quick approval and flexible terms for investors and property developers.
Apply for Hard Money FinancingOverview
Hard money loans are short-term lending instruments secured by real estate, primarily used by real estate investors and developers. Unlike conventional loans that focus on borrower creditworthiness, hard money loans are asset-based, with loan amounts determined by the value of the property being financed.
These loans offer faster approval, more flexible terms, and are ideal for time-sensitive real estate opportunities, renovation projects, or situations where traditional financing isn't available.
Loan-to-Value (LTV)
Up to 75% of property value
Term Length
6 months - 3 years
Interest Rates
7% - 12% + points
Time to Fund
As fast as 3-10 days
Types of Hard Money Loans
Bridge Loans
Short-term financing to "bridge" the gap between immediate property acquisition needs and long-term financing.
- Ideal for quick property acquisitions
- Typically 6-12 month terms
- Interest-only payments with balloon payment at end of term
Rehab Loans
Financing for purchasing and renovating distressed properties, with loan amounts based on the after-repair value (ARV).
- Includes funds for both purchase and renovation
- Renovation funds typically disbursed in draws as work is completed
- Loan amounts up to 70% of ARV
Construction Loans
Financing for ground-up construction projects, with funds disbursed in stages as construction progresses.
- Longer terms, typically 12-24 months
- Based on land value plus construction costs
- Requires detailed construction plans and budgets
Benefits of Hard Money Loans
Speed of Funding
Close deals quickly, often in days rather than weeks or months, giving you a competitive edge in fast-moving real estate markets.
Flexible Qualification
Approval based primarily on property value rather than credit score, making it accessible to borrowers with less-than-perfect credit or complex financial situations.
Customized Terms
Loan terms tailored to your specific project needs, with flexibility on repayment structures, prepayment options, and exit strategies.
Opportunity Access
Capitalize on time-sensitive real estate opportunities that might otherwise be missed while waiting for conventional financing approval.
Are Hard Money Loans Right for You?
Hard money loans are ideal for:
- Real estate investors looking to purchase, renovate, and sell properties quickly
- Property developers needing construction or bridge financing
- Borrowers who need to close quickly on a property opportunity
- Individuals with valuable real estate assets but complex financial situations
- Businesses needing short-term capital secured by real estate
How to Apply
Property Evaluation
Submit your property details and funding needs for a quick evaluation and preliminary offer.
Loan Structuring
Work with our real estate funding specialists to customize loan terms that align with your project goals.
Quick Closing
Complete the streamlined documentation process and receive funding in as little as 3-10 days.
Have questions? Contact us to speak with a real estate funding specialist.
Ready to secure fast funding for your real estate project?
Apply for a hard money loan today and get the capital you need to seize property opportunities and maximize your returns.