Hard Money Loans

Hard money loans are short-term, asset-based loans from private lenders. They focus on the property and your plan more than bank-style documentation, which can help when timing is tight or a deal doesn’t fit conventional guidelines.

When It Can Make Sense

• Time-sensitive acquisitions
• Properties that need work before a bank will lend
• Borrowers between conventional financing options
• Short-term holds with a clear exit

Know the Tradeoffs

• Higher rates and fees than bank financing
• Shorter terms, often 6 to 24 months
• Lower loan-to-value
• A defined exit plan is required

Hard money financing is for business-purpose and investment properties only, not owner-occupied homes.

How We Help

We’ll tell you honestly whether hard money is the right tool, compare private lenders, and map out your path to lower-cost financing.