Hard Money Loans in Spokane, WA
Find lenders offering hard money loans in the Spokane, including Spokane Valley, Liberty Lake, Cheney, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Hard Money Lenders Serving Spokane
15 lenders offering hard money loans in the Spokane, WA area.
Broadmark Realty Capital
LocalSeattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
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.
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.
Spokane Commercial Real Estate Market
Spokane is the economic capital of the Inland Northwest, serving as a regional hub for healthcare, higher education, and distribution across eastern Washington, northern Idaho, and western Montana. The downtown core has benefited from the University District redevelopment around Gonzaga University and Washington State University Health Sciences Spokane, which have attracted medical office, student housing, and mixed-use investment. The West Plains and Airway Heights submarket near Spokane International Airport has become a growing logistics and light-industrial zone, boosted by Amazon fulfillment center operations. Spokane's cost of doing business runs well below Seattle's, and the metro has seen an influx of remote workers and small businesses relocating from higher-cost Pacific Northwest markets.
Key Economic Drivers
- ●Providence and MultiCare health systems operating major hospital campuses
- ●Gonzaga University and WSU Health Sciences Spokane driving the University District redevelopment
- ●Fairchild Air Force Base and associated defense employment
- ●Amazon fulfillment and West Plains industrial park near Spokane International Airport
Market Insight
The University District development near Gonzaga University and the WSU medical campus has attracted over $1 billion in planned investment, transforming a formerly industrial rail yard area into Spokane's fastest-growing mixed-use neighborhood.
Hard Money Loans in Spokane, Washington
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 Spokane metro area, borrowers can access 15 lenders offering Hard Money financing, including Spokane Valley, Liberty Lake, Cheney, 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
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