Ideal for Investors

Hard Money Loans

Fast, asset-based loans designed for real estate investors who need quick funding and flexible terms.

What Is a Hard Money Loan?

Hard money loans are short-term, asset-based financing solutions built for real estate investors. These loans focus primarily on the property’s value and potential rather than just the borrower’s credit or income profile. Perfect for flips, BRRRR investments, and time-sensitive acquisitions, hard money loans allow investors to close quickly and leverage opportunities that traditional financing can’t move fast enough for. With flexible terms and streamlined underwriting, they support both new and experienced investors.

Key Benefits

  • Extremely fast closings
  • Asset-based underwriting — less focus on credit
  • Ideal for distressed or value-add properties
  • Short-term and interest-only options available

Considerations

  • Higher interest rates than traditional loans
  • Short repayment windows (usually 6–18 months)
  • Upfront points and fees may apply

Typical Requirements

  • Solid investment strategy or exit plan
  • Down payment or equity in the property
  • Acceptable ARV and rehab analysis
Close in days, not weeks
Great for flips or BRRRR strategies
Flexible terms for investors