Hard Money Loans

Asset-based real estate financing from a private direct lender, for when bank guidelines are too tight.

Financing that focuses on the asset

A hard money loan is secured mainly by real estate. Instead of relying only on bank-style credit boxes, we look at the property, the borrower’s plan and the overall strength of the deal.

Speed

A streamlined review designed for time-sensitive purchases and refinances.

Flexibility

Terms structured around your project, timeline and exit strategy.

Direct decisions

We lend our own money, so decisions are made in-house.

Wide range of properties

Residential investment, commercial and special-purpose real estate.

Common uses

  • Time-sensitive acquisitions
  • Fix and flip and value-add projects
  • Cash-out refinances for investors
  • Properties that don’t fit bank guidelines

Good to know

  • Hard money loans are usually short-term
  • A clear exit strategy is important
  • Terms depend on the property and the plan
  • All terms are provided in writing before closing

All loans are subject to application, underwriting and approval. Rates, terms and eligibility vary by borrower, property and project. Nothing on this page is a commitment to lend.

Ready to talk about your project?

Tell us what you need and a member of our lending team will review your scenario and walk you through your options.

Start Your ApplicationCall (725) 600-0205