Asset-based lending from professional lenders — fast capital secured by the property itself.
Hard money loans are short-term, asset-based loans provided by private lending companies (not banks). The loan is secured primarily by the value of the real estate being purchased — not your credit score or income. Lenders focus on the property's after-repair value (ARV) and the deal's potential, making this a go-to tool for investors who need fast capital for distressed or value-add properties.
Submit the Deal
Share the property details, purchase price, and your rehab plan with the hard money lender for review.
Property Appraisal
The lender evaluates the property's current value and after-repair value (ARV) to determine loan eligibility.
Loan Approval
Approval is based on the deal — not your credit. Decisions often come within 24–72 hours.
Close & Execute
Funds are released at closing. You complete the rehab, then refinance or sell to repay the loan.
9–15%
Interest Rate
6–18 mo
Loan Term
65–75%
LTV / ARV
3–10 days
Close Time
| Factor | Hard Money | Private Money |
|---|---|---|
| Lender Type | Professional company | Individual person |
| Terms | Standardized | Fully negotiable |
| Speed | 3–10 days | 7–21 days |
| Relationship | Transactional | Personal |
| Availability | Easy to find | Requires networking |
Hard money is the go-to for active investors who flip properties or execute the BRRRR strategy at scale. If you need to close fast on a distressed deal and have a clear exit plan (sell or refinance), hard money gives you the speed and flexibility that banks simply can't match.
Ready to put your capital to work?
View Available Deals