Fix and Flip Loans & Fast Financing for Real Estate Investments
Hard money loans are short-term, asset-based financing solutions designed for real estate investors and developers who need quick access to capital. These loans are secured by real property and offer faster approval and funding than traditional bank loans, making them ideal for time-sensitive opportunities.
Hour Approval
Loan-to-Value
Month Terms
Hard money loans are private, short-term loans secured by real estate. Unlike traditional mortgages that focus on the borrower's creditworthiness and income, hard money loans are primarily based on the value of the property being used as collateral.
Approval in 24-48 hours with funding typically within 7-14 days, compared to 30-45 days for traditional loans.
Fix-and-flip investors who need quick financing to purchase and renovate properties for resale.
From $100,000 to $50 million+ depending on property value and lender capacity.
💡 Tip: Rates vary based on loan amount, property type, and borrower experience
Get funded in as little as 5-7 business days with our streamlined process
Discuss your project, timeline, and financing needs with a hard money lender to determine loan feasibility.
Strategic situations where hard money loans provide the best solution
When you need to close quickly on a property and traditional financing would take too long.
Ready to explore hard money loan options for your real estate investment? Our network of experienced hard money lenders can provide the fast, flexible financing you need to capitalize on opportunities.
Whether you're an experienced investor or new to real estate investing, we'll help you understand your options and connect you with the right hard money lender for your project.
Contact us today to discuss your project and learn how hard money financing can help you achieve your real estate investment goals.
These loans are typically provided by private investors or companies rather than banks or credit unions. The term "hard money" refers to the hard asset (real estate) that backs the loan, making it a secured form of financing.
Key Insight: Hard money loans are commonly used for fix-and-flip projects, land loans, construction loans, and when buyers need to act quickly in competitive real estate markets. They bridge the gap when traditional financing isn't available or practical.
Loan approval based primarily on property value rather than borrower's credit score or income verification.
Customizable loan terms to fit specific project needs, including interest-only payments and flexible repayment schedules.
Typically 6-24 months, designed for quick turnaround projects or bridge financing needs.
Can finance up to 70-80% of property value or after-repair value (ARV) for fix-and-flip projects.
Minimal paperwork compared to traditional loans, focusing on property value and exit strategy.
Developers needing bridge financing for construction projects or land acquisition.
Commercial property owners who need fast capital for business expansion or opportunities.
Purchasers who need to make cash-equivalent offers in hot real estate markets.
Perfect for investors who need fast, flexible financing solutions
Typically 10-15% annually, higher than traditional mortgages due to increased risk and faster funding.
Usually 6-24 months with possibility of extensions, designed for short-term financing needs.
2-4 points (2-4% of loan amount) as origination fees, plus closing costs and processing fees.
20-30% down payment typically required, though some lenders may offer higher LTV ratios.
Our hard money loan terms are designed to provide the flexibility and speed you need for successful real estate investments.
Bottom Line: Hard money loans are ideal for experienced investors who need fast funding and can handle higher costs
Lender assesses the property value, location, and potential through appraisal or broker price opinion (BPO).
Receive a detailed loan proposal outlining terms, rates, fees, and conditions.
Submit required documents including property information, project plans, and exit strategy.
Fast underwriting process focusing on property value and borrower's experience.
Close the loan and receive funds, typically within 7-14 days of application.
Have your property details and project plan ready to expedite the process
Start Your ApplicationFor purchasing and renovating properties to resell within a short timeframe.
When recent credit issues prevent qualification for traditional financing but you have substantial equity.
To bridge the gap between selling one property and purchasing another.
For properties that don't qualify for traditional financing due to condition or use.
For ground-up construction or major renovation projects requiring staged funding.
When traditional financing timelines don't align with your investment opportunity, hard money loans provide the speed and flexibility you need to act fast.
Hour Approval
Days to Fund
Simple online process takes minutes
Decision within 24-48 hours
Close in as little as 5-7 days
Ready to get started with your hard money loan?
Our experienced team is here to guide you through the process
