← All Loan Programs💰 Hard Money

Hard Money Loans

Asset-based lending when traditional financing isn't an option.

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Overview

Hard money loans are asset-based — meaning approval is driven primarily by the property's value, not your credit score or income history. This makes them ideal for investors, fix-and-flippers, and situations where speed and flexibility matter most.

  • Approval based on property value, not credit score
  • Fast closings — often within 7–14 days
  • Flexible for fix-and-flip and non-warrantable properties

Loan Specifications

Min Amount

$100,000

Max Amount

$5,000,000

Loan Term

6–24 months

Max LTV

Up to 70% ARV

Amortization

Interest only

Rate Type

Fixed (higher rate, asset-based)

Eligibility Criteria

  • Investment properties (not primary residences)
  • Property must have clear, identifiable value
  • Minimum 600 credit score (case-by-case)
  • Borrower experience in real estate investing preferred
  • Proof of funds for down payment and reserves

Required Documents

Documents are uploaded through our encrypted secure portal, stored on Cloudflare R2 enterprise storage, and only accessible to your assigned broker via a private link. Never shared with third parties.

  • Property address and recent photos
  • Estimated ARV (After Repair Value) with comparable sales
  • Purchase price and contract (if purchasing)
  • Scope of work and renovation budget (if rehab)
  • Borrower real estate experience summary
  • Proof of funds (bank statement showing reserves)

Frequently Asked Questions