Hard Money Loans
Fast, asset-based financing solutions for real estate investors, flippers, and time-sensitive opportunities.
Key Features of Hard Money Loans
Hard money loans offer unique advantages for real estate investors and those needing quick financing.
Quick Closing
Close in as little as 7-10 days, compared to 30-45 days with conventional financing.
Asset-Based
Loans based primarily on property value rather than borrower credit or income.
Flexible Terms
Customizable loan structures with fewer restrictions than traditional financing.
Higher LTV
Loan-to-value ratios up to 75-80% of the property's value or after-repair value.
Ideal Use Cases
Hard money loans are particularly well-suited for these real estate scenarios.
Fix and Flip Projects
Short-term financing for purchasing and renovating properties to resell for profit.
- Quick access to capital for property acquisition
- Renovation funds included in loan amount
- Based on after-repair value (ARV)
Real Estate Investors
Financing for experienced investors looking to quickly acquire rental or commercial properties.
- Competitive advantage in hot markets
- Portfolio expansion without traditional lending limits
- Bridge financing until long-term solution
Distressed Properties
Financing for properties that don't qualify for traditional loans due to condition issues.
- Purchase properties needing significant repairs
- Foreclosure or auction purchases
- Non-conforming properties
Time-Sensitive Deals
Fast financing for opportunities that require quick closing to secure the deal.
- Competitive bidding situations
- Short sale opportunities
- Seller requires quick closing
Credit Challenges
Solutions for borrowers with credit issues that prevent traditional financing.
- Recent bankruptcy or foreclosure
- Self-employed with limited documentation
- Focus on property value over credit score
Bridge Financing
Short-term loans to bridge the gap between property purchase and long-term financing.
- Buy before selling existing property
- Stabilize property before refinancing
- Temporary financing during construction
Frequently Asked Questions
Common questions about hard money loans.
Need fast financing for your real estate project?
Get personalized hard money loan options based on your property and timeline. Quick approvals with minimal documentation.