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Hard Money Loans

Asset-based lending with speed and flexibility

Hard money loans are short-term, asset-based loans primarily secured by real estate. Funded by private investors or companies rather than banks, they prioritize the property's value over the borrower's creditworthiness. Ideal for fix-and-flip, distressed properties, and deals that need to close fast.

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Loan Range

$50K – $10M

Typical Rate

10% - 15%

Down Payment

25-40%

Term

6-24 months

Closing Time

3-10 days

🎯 Best For

• Fix-and-flip investors
• Distressed property acquisitions
• Borrowers with credit issues
• Deals requiring immediate close

✅ Advantages

✓ Fastest closing (days, not weeks)
✓ Credit score less important
✓ Flexible terms
✓ Finance distressed properties

⚠️ Considerations

• Highest interest rates
• Short terms
• High origination fees (2-5 points)
• Requires strong exit strategy

Hard Money Loan Requirements

✓ Property as collateral (LTV 60-75%)
✓ Exit strategy
✓ Down payment or equity
✓ Property appraisal

Top Hard Money Lenders

15 lenders offer hard money loans nationwide.

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Anchor Loans

Thousand Oaks, CA

One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.

$100K – $10M Nationwide

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Broadmark Realty Capital

Seattle, WA

Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.

Nationwide

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Civic Financial Services

Redondo Beach, CA

Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.

$100K – $5M Nationwide

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Constitution Lending

Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.

$100K – $2M Nationwide

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Easy Street Capital

Austin, TX

Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.

$75K – $5M Nationwide

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Groundfloor

Atlanta, GA

Real estate lending platform offering fix-and-flip and bridge loans. Crowdfunding model provides competitive rates for borrowers.

$75K – $2M Nationwide

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Lending One

Boca Raton, FL

National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.

$75K – $5M Nationwide

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New Silver Lending

Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.

$100K – $5M Nationwide

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Find Hard Money Lenders by State

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Hard Money Loans FAQ

Is hard money the same as a bridge loan? ▼

Similar but not identical. Hard money tends to come from private individuals/funds with higher rates and more flexibility. Bridge loans are often from more institutional sources with slightly better terms. Both are short-term and asset-based.

Can I get a hard money loan with bad credit? ▼

Yes, that's one of the main advantages. Hard money lenders focus on the property value and your equity, not your credit score. Expect to put more money down with lower credit.

Are you a lender offering hard money loans?

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