Hard Money Loans in Philadelphia, PA
Find lenders offering hard money loans in the Philadelphia, including Camden, Cherry Hill, King of Prussia, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Hard Money Lenders Serving Philadelphia
15 lenders offering hard money loans in the Philadelphia, PA area.
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.
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+.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
Constitution Lending
NJ
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.
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.
Groundfloor
Atlanta, GA
Real estate lending platform offering fix-and-flip and bridge loans. Crowdfunding model provides competitive rates for borrowers.
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.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
Park Place Finance
TX
Direct private lender with 17+ years experience. $1B+ in loans closed. Bridge loans for fix-and-flip, refinance, and cash-out.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Residential Capital Partners
TX
Hard money lender offering up to 85% LTV with no down payment option. Rates starting at 8.5%. Mixed-use, single-family, and multifamily.
Stbridge Capital
Los Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Aloha Capital
HI
Private lender offering DSCR rental loans with up to 80% cash-out refinance. Also provides bridge and fix-and-flip financing for investment properties.
Temple View Capital
UT
Private lender offering DSCR rental loans, bridge financing, and fix-and-flip loans for real estate investors. Fast closings with flexible qualification criteria.
Philadelphia Commercial Real Estate Market
Philadelphia is the largest CRE market in Pennsylvania and one of the major investment hubs on the East Coast, with a diverse economy spanning healthcare, higher education, financial services, and life sciences. University City — anchored by the University of Pennsylvania, Drexel University, and the Children's Hospital of Philadelphia — has become a nationally recognized innovation district with billions in institutional development. The Navy Yard redevelopment in South Philadelphia has attracted corporate tenants including GlaxoSmithKline and Urban Outfitters to a 1,200-acre mixed-use campus. The I-76/King of Prussia corridor remains the region's densest suburban office submarket, while Center City's residential conversion trend has absorbed older Class B office stock.
Key Economic Drivers
- ●University City innovation district anchored by Penn Medicine, CHOP, and Drexel's Schuylkill Yards project
- ●Comcast Technology Center and Comcast's $2 billion-plus downtown campus investment
- ●Life sciences corridor along the I-76 and Route 202 suburban corridors including Conshohocken and King of Prussia
- ●Philadelphia Navy Yard's 1,200-acre redevelopment into a mixed-use corporate campus
Market Insight
Philadelphia's 10-year tax abatement program for new construction and substantial rehabilitation has been one of the most powerful development incentives in any major U.S. city, though the program has been modified in recent years to phase in property taxes more gradually.
Hard Money Loans in Philadelphia, Pennsylvania
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. In the Philadelphia metro area, borrowers can access 15 lenders offering Hard Money financing, including Camden, Cherry Hill, King of Prussia, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from 10% - 15%.
Who Should Consider Hard Money Loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Borrowers with credit issues
- Deals requiring immediate close
Key Requirements
- Property as collateral (LTV 60-75%)
- Exit strategy
- Down payment or equity
- Property appraisal
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 Loans in Other Pennsylvania Cities
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