YOUR TRUSTED
hard MONEY LENDER
Key Benefits of Our Hard Money Lending Services
Our streamlined approval process ensures you get the funding you need without unnecessary delays. We understand the urgency of real estate transactions and work diligently to provide expedited approvals.
We offer competitive interest rates and customized loan terms to cater to your investment objectives. Our goal is to make your investments successful and profitable.
With over 40 years of combined lending experience, our team of professionals will provide you with expert guidance and support you need throughout the lending process.
How to Apply for Hard Money Loan
Contact Us
Loan Application
Lending guidelines
- loan programs
- Bridge, Fix & Flip, Ground-Up & Horizontal to Vertical Construction
- asset/project types
- SFR 1-4, Subdivisions, Condos, Townhomes, Multifamily 5+ & Mixed-Use
- Loan Terms
- 6 - 24 Months w/ Extension Options
- Transaction Types
- Purchase, Rate/Term & Cash-Out
- Max Day 1 LTAIV / LTC / LTARV
- Up to 70% / 85% / 70%
- Loan Amounts
- $500,000 - $20,000,000+
- Interest Rates
- 9.50 – 11.99%
- Origination Fees
- Starting at 1.5%
- Borrower Recourse / Guarantees
- Full Recourse / Personal Guarantees Required (limited by exception)
- Lending Markets
- Nationwide (major metro and secondary markets only)
Frequently Asked Questions (FAQ)
HARD MONEY REFERS TO A TYPE OF SHORT-TERM, ASSET-BASED LOAN TYPICALLY USED IN REAL ESTATE TRANSACTIONS. IT IS OFTEN PROVIDED BY PRIVATE INVESTORS OR COMPANIES RATHER THAN TRADITIONAL BANKS AND IS SECURED BY THE VALUE OF THE PROPERTY BEING PURCHASED.
TRADITIONAL LENDERS ARE TYPICALLY BASED ON THE BORROWER’S CREDITWORTHINESS AND INCOME, WHILE HARD MONEY LOANS ARE PRIMARILY FOCUSED ON THE VALUE OF THE COLLATERAL (PROPERTY). HARD MONEY LOANS ARE OFTEN QUICKER TO OBTAIN BUT COME WITH HIGHER INTEREST RATES AND SHORTER TERMS.
HARD MONEY LOANS USUALLY HAVE SHORTER TERMS, OFTEN RANGING FROM 6 MONTHS TO A FEW YEARS. HARD MONEY LENDER RATES ARE HIGHER THAN THOSE OF TRADITIONAL LOANS, TYPICALLY RANGE BETWEEN 7% AND 13% DEPENDING ON MARKET CONDITIONS AND OTHER FACTORS. ADDITIONALLY, HARD MONEY LOANS ARE ALMOST ALWAYS INTEREST-ONLY PAYMENTS.
HARD MONEY LOANS ARE TYPICALLY USED WHEN A REAL ESTATE INVESTOR NEEDS QUICK ACCESS TO CAPITAL WHEN TRADITIONAL FINANCING OPTIONS ARE NOT AVAILABLE OR TOO TIME-CONSUMING. A HARD MONEY LOAN CAN BE USED FOR FIX-AND-FLIP PROJECTS, BRIDGE LOANS OR GROUND UP CONSTRUCTION.
HARD MONEY LOANS ARE TYPICALLY PROVIDED BY PRIVATE INDIVIDUALS, SMALL INVESTMENT FIRMS, OR SPECIALIZED HARD MONEY LENDING COMPANIES SUCH AS MACOY CAPITAL. THESE LENDERS ARE OFTEN MORE INTERESTED IN THE VALUE OF THE COLLATERAL PROPERTY RATHER THAN THE BORROWERS INCOME.
HARD MONEY CAN BE USED TO FINANCE VARIOUS TYPES OF PROPERTIES, INCLUDING RESIDENTIAL SINGLE FAMILY (SFR), MULTIFAMILY, COMMERCIAL, MIXED-USE AND ENTITLED LAND.
THE LTV RATIO IN HARD MONEY LENDING REFERS TO THE PERCENTAGE OF THE PROPERTY’S APPRAISED VALUE THAT A LENDER IS WILLING TO LOAN. IN HARD MONEY LOANS, LTV RATIOS OFTEN RANGE FROM 50% TO 80% MEANING BORROWERS MAY NEED TO COME UP WITH A LARGER DOWN PAYMENT.
IN SOME CASES HARD MONEY LOANS DO HAVE UPFRONT DUE DILIGENCE FEES.
NO, HARD MONEY LOANS ARE NOT TO BE USED FOR PRIMARY RESIDENCE OR CONSUMER PURPOSES. ALL LOANS ARE FOR BUSINESS OR INVESTMENT PURPOSES.
A HARD MONEY LOAN OFFERS THE ADVANTAGE OF QUICK ACCESS TO CAPITAL, MAKING IT AN EXCELLENT OPTION FOR TIME-SENSITIVE REAL ESTATE INVESTMENTS. THESE LOANS OFTEN RELY MORE ON THE PROPERTY’S VALUE RATHER THAN THE BORROWER’S INCOME. MOREOVER, HARD MONEY LENDERS MAY BE MORE FLEXIBLE IN THEIR APPROVAL PROCESS. THE SHORT-TERM NATURE OF HARD MONEY LOANS CAN ALSO BE SEEN AS A PRO, AS THEY ARE IDEALLY SUITED TO BRIDGE THE GAP OF A PROPERTY’S SALE OR PERMANENT REFINANCE. CONS OF A HARD MONEY LOAN INCLUDE HIGHER INTEREST RATES AND COSTS.
