Real Estate (Hard Money) Loan

Leverage asset-based lending and secure up to
80% LTV within a few short weeks.

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Hard Money Loans Offered Against Collateral Asset:

Up to 80% Loan To Value amounts.
Up to 80% Loan To Value amounts.
6 to 36-month repayment terms.
6 to 36-month repayment terms.
Quick approvals and financing within 1 to 3 weeks
Quick approvals and financing within 1 to 3 weeks
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Hard money loans are short-term loans secured by real estate, often utilized by businesses, investors, and developers to quickly access funds for property purchases, renovations, and fix-and-flips. Unlike traditional loans, which consider creditworthiness and income, hard money loans are primarily based on the value of the property being used as collateral, allowing for faster approval and funding.

Hard money loans, often called bridge loans, can be used to finance one property while you prepare to sell another. With a faster and less stringent approval process compared to traditional secured financing, they are perfect for situations where a quick purchase is necessary.

Fast and Secured Funds

Receive secure funding within 10 to 14 business days.

Opportunity Driven

Lower personal credit score or time in business doesn’t disqualify you from being approved.

Acquisition or Refinance

Get the capital needed to invest in an acquisition or refinancing opportunity.

Applying is simple

1. Complete our short application.

Our quick application process only takes a few minutes to complete.

2. Compare competing offers.

Improve your funding odds and compare offers from multiple lenders.

3. Secure and receive funds.

Accept an offer and get funds as quick as the same day!

Apply Now

Minimum Requirements

Property

Financeable properties
only

Credit Score

650 or higher

Experience

Prior experience
preferred

Frequently Asked Questions

What kind of properties are eligible for hard money?

Hard money lenders will lend on both commercial and residential properties, but may not lend on owner-occupied residencies due to higher levels of scrutiny.

What documents are needed for a hard money loan?

Required documentation differs by lender but you will typically need bank statements, tax returns, and proof of ownership to start.

When should I consider using a hard money loan?

Typically, hard money loans are ideal for business owners who need more financing than there bank provides, have an excellent investment opportunity without sufficient cash on-hand, or have a quick closing with a deadline the banks can not meet. Additionally, less established businesses can leverage hard money loans to access additional capital.

Who provides hard money loans?

A variety of companies provide hard money loans, including commercial banks, regional fund operators, and real estate developers.

How long does it take to get approved?

In most cases, hard money loans can be approved within three to five business days, and funded within 14 business days.

Do hard money loans require a down payment?

Depending on several factors, including the borrower’s equity, and the respective lender, hard money loans can require a down payment. As each situation is different, you may not have to put any down payment, or you may be required to cover the difference of the LTV and property appraisal amount.