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Hard Money

Tight timeline? No worries. Our lenders will finance your next big project in a fraction of the time it takes to get a traditional bank loan. Use property, equipment, inventory, or other assets to secure a hard money loan quickly, without all of the hoops and red tape. Get growing your business today.
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What are
Hard Money Loans?

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Hard money loans are a short-term funding option you can use for real estate, equipment, inventory, and more.

The term “hard money” comes from the type of assets used to secure the loan. If you qualify, you can also get an unsecured loan, meaning that you don’t have to put up assets for collateral. The main benefit of hard money loans is the quick turnaround time for applications. With a hard money loan, you won’t have to wait months to find out if you’re approved.

To get cash fast, simply decide how you’d like to secure the loan.

If you’re using a real estate property, you’ll get a percentage of its value in a lump sum payment. Your lender is concerned with the value of the property and is less worried about your credit score or income. However, you’ll still need to show you can pay back the loan. Most hard money loans have terms of just a few months or years. So you’ll need to plan well to repay when the time comes.

Hard money loans are ideal for adding real estate to your company’s portfolio.

They let you present a cash offer to sellers that make you a more competitive buyer for prime real estate. You’ll also be able to strike fast on the best deals before they expire. Get what you need now and pay back the loan later. If you’re reselling property, simply pay back the loan from the proceeds and you’re done. No long-term commitments to hold you back.

Fix & Flip

If flipping properties is your passion, hard money loans are the ideal tool. You can get money fast so you can close fast. Avoid long-term mortgages and early repayment fees. Simply repay when the property sells and move on to your next project. You can even use the loan to pay for renovations.
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Term-to-Perm

When you want a long-term investment, but need to lock it down before the cost rises, look to a term-to-perm loan. These loans let you get financed now, not six months from now. Get new property onboarded right away. When the short-term loan is up, simply convert it to a long-term mortgage.
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Cash-Out Refi

Pull equity from the properties you already have with a cash-out refinance loan. Investors use these loans to pay off higher interest rate debts or invest in new opportunities. Use it for multi-family housing, retail shops, warehouses, offices, mixed-use, and more. Fixed and adjustable-rate options are available.
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What Are The
Advatanges

Get approved faster than traditional loans.

Use the value of your property, not your credit.

No long-term commitments.

Refinance to lower the cost of borrowing.

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F.A.Q.’s

Q. What can you use a hard money loan for?
Although hard money loans are mainly used to finance real estate transactions, you can also use these loans to get equipment and working capital. Anytime you need money quickly and don’t want to wait for a traditional bank loan, a hard money loan can be a great alternative.
Q. Is a hard money loan safe?
As with most loans, it pays to be realistic about your ability to make payments on time. Hard money loans are short-term loans, so you need to plan to repay them in a short period. We’ll help you go over the terms of your loan before you sign so you can be confident that you have the right financing.
Q. How do I apply for a hard money loan?
Not all hard money loans are created equal. That’s why we take the time to build strong lender relationships that let us offer our clients the best rates and terms. You’ll be able to look across a range of lenders to decide which loan is right for you. Then, we’ll help you position your application for approval.
Q. When is a hard money loan not a good fit?
A hard money loan is a way to finance your needs quickly, but it’s not a long-term solution. If you can afford to wait, you can find lower-interest loans with longer repayment terms. Talk to us about your needs and we’ll get you into a loan that fits.

We help you stay in capital.

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