Loan Program

Hard Money Loans

When a deal won't wait for a 45-day conventional close, hard money financing moves at the speed the opportunity requires — approved on the asset, not your tax returns.

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2 minutes No SSN required Free, no obligation

Program Highlights

Speed Over Paperwork

Days

Not Weeks to Close

Hard money loans are built for speed — approvals and closings can happen in days when a deal requires it, versus the 30–45 day timeline of conventional financing.

ARV

Based Underwriting

Approval is centered on the property's value and, for renovation deals, its after-repair value — not solely on your personal income or tax returns.

Flip

& Renovation Friendly

Built to support fix-and-flip investors, including deals where the property isn't yet in lendable condition for conventional financing.

Who It's For

For Deals That Can't Wait.

Investors bidding at auction, competing against cash offers, or working a fix-and-flip timeline need financing that moves as fast as the opportunity — this is exactly where hard money fits.

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Program Requirements

How Approval Works.

Less about your paperwork, more about the deal itself.

Asset-based approval Fast closings Fix & flip and renovation deals Less emphasis on personal credit Short-term structures Nationwide availability

FAQ

Hard Money Loan Questions

Can't find your answer? Reach out directly — we're happy to talk through your specific situation at no charge.

How fast can a hard money loan close?

Significantly faster than conventional financing — often within days when the deal requires it, since underwriting centers on the asset rather than a full personal income file.

What loan-to-value can I get on a hard money loan?

It depends on the property and exit strategy, but LTV is typically based on either current value or after-repair value (ARV) for renovation projects.

Do you lend on fix-and-flip projects?

Yes, fix-and-flip and other renovation-driven deals are a core use case for hard money financing.

Is my personal credit score the main factor?

No. While credit is still reviewed, the property's value and the deal's structure carry significantly more weight than in conventional underwriting.