Hard Money Loans
Short-term, asset-based financing for real estate investors who need to move fast. Close in days, not months.
Why Hard Money?
Fast Approval
Hard money loans can be approved and funded in days — not weeks — giving you the speed to compete in a fast-moving market.
Asset-Based Lending
Approval is based primarily on the value of the property, not your credit score or income history.
Flexible Terms
We work with investors to structure loan terms that fit the project timeline and exit strategy.
No Prepayment Penalty
Pay off the loan as soon as your project is complete or refinanced without any early payoff fees.
Residential & Commercial
Hard money loans are available for both residential investment properties and commercial real estate.
Bridge Financing
Use a hard money loan as a bridge while you secure permanent financing or complete renovations.
Common Use Cases
- Fix-and-flip investment properties
- Bridge loans between purchase and long-term financing
- Properties that do not qualify for conventional loans
- Borrowers who need to close quickly (days, not weeks)
- Real estate investors with multiple properties
- Commercial and residential investment properties
Frequently Asked Questions
What interest rates do hard money loans carry?
Hard money loans carry higher rates than conventional loans — typically 8%–15% — reflecting the short-term, asset-based nature of the financing. The speed and flexibility often outweigh the cost for investors.
How much can I borrow with a hard money loan?
Most hard money lenders lend up to 65%–75% of the after-repair value (ARV) of the property. The exact amount depends on the property, location, and your experience as an investor.
How quickly can I close?
In many cases, hard money loans can close in 5–10 business days. Having your paperwork ready can speed up the process even further.
Do I need good credit for a hard money loan?
Credit score is not the primary factor — the property value and your equity position matter most. Borrowers with challenged credit can still qualify.
Ready to Fund Your Next Investment?
Call Lori today at 909 224 8307 or apply online now.