Hard Money Loan Guide
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WHAT IS A HARD MONEY LOAN?
Financing Secured by Real Estate. Focused on the Deal.
Hard money loans are short-term loans secured by real estate rather than the borrower’s credit. They are ideal for investors who need quick access to capital for time-sensitive opportunities.
We focus on the value of the property and the strength of the exit strategy – not just your credit score.
How Hard Money Lending Works
1. Property
You identify the opportunity and secure the property under contract.
2. Collateral
The property is used as collateral for the loan.
3. Underwriting
We quickly evaluate the deal based on asset value and exit strategy.
4. Approval
Loan terms are provided and approved-often within 24-48 hours.
5. Funding
Funds are wired quickly so you can close and move forward.
KEY CHARACTERISTICS
Fast Closings
Close in as little as 3-10 business days.
Asset Based
Loan approval based on the value of the property.
Flexible Underwriting
Focus on the deal, not just credit.
Short-Term Terms
Designed for short-term investment strategies.
COMMON USES
Fix & Flip Projects
New Construction Financing
Bridge Financing
Distressed Assets
Quick Acquisitions
Working Capital Needs
HARD MONEY LOANS VS. TRADITIONAL LOANS
| FEATURE | HARD MONEY LOANS | TRADITIONAL LOANS |
|---|---|---|
| Approval Speed | Days | Weeks to Months |
| Underwriting | Asset Based | Credit & Income Based |
| Loan Terms | Short-Term (Typically 6–24 Months) | Long-Term (Typically 5–30 Years) |
| Loan Amounts | $500K – $500MM+ | Varies |
| Best For | Investors & Time-Sensitive Deals | Long-Term Financing Needs |
PROS
- Quick access to capital
- Focus on property value, not credit
- Flexible terms and structures
- Ideal for short-term, high-return opportunities
- Helps you close deals others can't
CONS
- Higher interest rates than traditional loans
- Shorter repayment terms
- Exit strategy is critical
- Best suited for experienced investors
Loan Highlights
- Loan Amounts: $500K - $500MM
- Flexible Loan Structures
- Competitive Financing Solutions
- Multiple Property & Business Types
- Recourse & Non-Recourse Options Available
- Customized Repayment Terms
- Fast Underwriting Process
- Transaction-Based Evaluation
Industries we surve
Real Estate
Manufacturing
Hospitality
Retail
Healthcare
Logistics
Professional Services
Industrial Operations
Frequently Asked Questions
What is a hard money loan?
A hard money loan is a short-term, asset-based financing solution secured primarily by real estate. Approval is based more on the property’s value and the strength of the transaction than traditional lending criteria.
How much can I borrow with a hard money loan?
Loan amounts vary depending on the property, project, and financing structure. Funding can range from several hundred thousand dollars to $500K – $500MM for qualified transactions.
What types of properties can be financed?
Hard money financing may be available for office, retail, industrial, multifamily, hotel, self-storage, mixed-use properties, mobile home parks, and other commercial real estate assets.
How quickly can I get funded?
Hard money loans are designed for speed and can often close significantly faster than traditional financing, depending on the transaction, due diligence requirements, and documentation provided.
What are the typical terms for hard money loans?
Hard money loans are generally short-term financing solutions with flexible repayment structures. Terms vary by transaction but are commonly used for acquisitions, bridge financing, construction, and value-add projects.
Do you lend nationwide?
Yes. Financing solutions are available throughout the United States, with select opportunities considered in international markets as well.
Need Fast Financing for Your Next Deal?
Our hard money lending solutions are built for speed,
flexibility, and results.