Hard Money Loans
Asset-focused short-term financing for situations where timing or property condition makes a conventional path impractical.
Program parameters are confirmed for your scenario. Nothing here is an approval or commitment to lend.
Hard money lending is generally driven by the property and the project rather than by documented personal income. That can make it useful when speed or property condition is the constraint.
It is also usually the most expensive debt in the stack, which is why it should be matched to a specific purpose and a specific exit. If you plan to hold, the hard money stage is a bridge to permanent financing, not a destination.
We will model the total cost of the short-term capital — points, interest, and fees — against the value of closing quickly for your particular transaction.
Who may find it useful
- Buyers who need to close quickly
- Investors purchasing property that will not finance conventionally as-is
- Projects with a defined exit timeline
- Situations involving distressed or unusual property
Typical financing goals
- Close on a time-sensitive acquisition
- Acquire property that needs work before permanent financing
- Access capital without a traditional income file
Key considerations
- Short terms and higher cost require a credible exit plan
- Points and fees can be substantial relative to a short hold
- Property condition and value drive the structure
- Permanent financing is usually a separate, later approval
Information to gather
- Property details and current condition
- Purchase contract and closing date
- Your exit plan and its realistic timing
- Any permanent financing you have already discussed
Frequently asked
Thinking about hard money loans?
Share the property and your goal. We will confirm what may be available and what the file would need.
Illustrative tools and scenario review only. Not a rate quote, pre-approval, or commitment to lend.