Hard Money Loans

Hard money loans are short-term, asset-based loans secured by real estate. Unlike traditional bank loans that focus on borrower credit and income, hard money lenders primarily evaluate the property's value and the deal's potential. They're called "hard" money because they're secured by a hard asset—the property itself.

Hard money loans are primarily asset-based, so credit requirements are much more flexible than traditional loans. While we do review credit history, we focus more on the property value, your equity, and your exit strategy. Borrowers with credit scores as low as 550 may qualify depending on the deal.

Higher rates reflect the speed, flexibility, and risk profile of hard money loans. You're paying for: closing in days instead of months, minimal documentation requirements, approval based on property value rather than personal income, and financing for properties banks won't touch. For short-term deals, the total cost is often justified by the opportunity captured.

We finance single-family homes, 2-4 unit properties, small multifamily (5-20 units), mixed-use buildings, and raw/entitled land. Properties can be in any condition—including gut rehabs, fire damaged, or vacant. We do not finance owner-occupied primary residences (hard money is for investment properties only).

Common exit strategies include: selling the property after renovation (fix & flip), refinancing into long-term financing (DSCR loan, conventional, etc.), or selling after stabilization. We require a clear exit strategy before funding—hard money is short-term capital, not a permanent solution.

Most of our hard money programs have no prepayment penalty—you can pay off the loan as soon as your project is complete or your exit strategy executes. Some programs may have a minimum interest period (typically 3-6 months). We'll clearly disclose any prepayment terms upfront.