Hard Money Loans in Cheyenne, WY
Find lenders offering hard money loans in the Cheyenne, including Laramie, Casper, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Hard Money Lenders Serving Cheyenne
15 lenders offering hard money loans in the Cheyenne, WY 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.
Cheyenne Commercial Real Estate Market
Cheyenne is Wyoming's capital and largest city, with a compact commercial real estate market shaped by state government, F.E. Warren Air Force Base, and a growing logistics and data center sector that leverages Wyoming's tax-friendly environment and low energy costs. The downtown core along Capitol Avenue and Lincolnway has seen modest revitalization with boutique hospitality and mixed-use projects catering to the city's tourism base and government workers. The I-25 corridor and I-80 interchange areas serve as the primary zones for industrial, retail, and highway-oriented commercial development, with several data center operators establishing facilities attracted by Wyoming's lack of corporate and personal income taxes. Cheyenne's market is small but benefits from extremely low operating costs, stable government employment, and growing interest from out-of-state investors seeking tax-advantaged jurisdictions.
Key Economic Drivers
- ●Wyoming state government and legislative campus as the metro's largest employment anchor
- ●F.E. Warren Air Force Base and associated military personnel and contractors
- ●Data center development attracted by zero corporate income tax and low electricity rates
- ●I-80 and I-25 logistics crossroads supporting trucking, warehousing, and rail distribution
Market Insight
Wyoming levies no state corporate income tax, no personal income tax, and no gross receipts tax, making Cheyenne one of the most tax-efficient locations in the country for commercial property ownership and business operations.
Hard Money Loans in Cheyenne, Wyoming
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 Cheyenne metro area, borrowers can access 15 lenders offering Hard Money financing, including Laramie, Casper, 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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