Hard Money & Private Lending
Faster, asset-based financing for investors and builders.
Hard money lending is short-term financing secured mainly by the property itself rather than by a long paper trail of personal income. Because the decision leans on the deal - the asset, the plan, and the exit - it can close far faster than a conventional mortgage, which is often the whole point when a property will not wait. It is not cheaper than a bank loan and is not meant to be held for decades; it is a tool for a specific job with a defined end. We help arrange these loans through lending partners who do this work day in and day out.
Bridge Loans
Short-term financing that covers the gap between two events - most often buying a new property before your current one has sold. It funds the move now and is repaid once the sale, refinance, or other exit completes. Because it is meant to be held for months rather than years, it costs more than a long-term mortgage and works best when the exit is clear and realistic.
Fix & Flip
Financing to buy a property, renovate it, and sell it on. These loans usually cover a large share of the purchase and much of the renovation budget, with the repair money released in stages as work is inspected and completed. They are built around the after-repair value and a defined timeline, so they suit a real plan for the work and the sale rather than a long-term hold.
New Construction
Funding to build from the ground up, whether a single home or a small development. Money is drawn in stages tied to construction milestones rather than handed over at once, and the lender expects plans, a builder, and a credible budget. It is a short-term facility for the build period, and many borrowers refinance into a long-term loan once the property is complete.
DSCR Loans
A loan for income-producing rental property where the decision leans on the property's own cash flow rather than mainly on your personal income. DSCR stands for debt-service coverage ratio - in plain terms, whether the rent comfortably covers the loan payment. It can suit investors whose tax returns understate their buying power, or who are building a portfolio, because the property is expected to carry itself.
How the cost is decided
There is no single rate for hard money, and any page that quotes one is guessing at your deal. Pricing is set by the lender case by case, weighing things like your credit profile, your track record with similar projects, the property and its condition, how much of your own money is in the deal, the local market, and how clear and realistic your exit is. Two borrowers can be quoted very differently on the same building. The way to get a real number is to have the specifics reviewed - which is exactly what a pre-approval does.