Home/Loan Programs/Hard Money Loans
Loan Program
Hard Money Loans
Asset-based capital for time-sensitive acquisitions — funded in days, not weeks, approved on the deal rather than your tax returns.
⏱ Takes 2 minutes Free, no obligation We respond within 1 business day
Hard money loans are short-term, asset-based capital underwritten on the property and the deal — not your tax returns — funded in days for time-sensitive acquisitions.
Program Highlights
Moves at the speed of your deal.
Speed
7–14 Days to Close
Straightforward deals can close in as little as 7 to 14 days from application to funding.
Underwriting
Approved on the Asset
We underwrite the property and the exit strategy — not your personal income documentation.
Access
90+ Lenders Competing
Your deal gets shopped across our wholesale lender network for the sharpest hard money terms available.
Who This Program Fits
Investors racing a closing deadline, auction purchases, deals that need to move before conventional underwriting could ever finish, and borrowers with credit challenges but strong collateral.
FAQ
Hard money loan questions.
How fast can a hard money loan close?
As fast as 7–14 days on straightforward deals, since underwriting focuses on the property and exit strategy rather than a full personal financial review.
What loan-to-value can I get on a hard money loan?
Typically up to 65–75% of as-is or as-completed value depending on the lender, property, and your experience as an investor.
Do you lend on fix-and-flip projects?
Yes — hard money is one of the most common tools for fix-and-flip purchase and rehab funding.
Is my personal credit score the main factor?
No — the deal's collateral and exit strategy carry more weight than credit alone, though credit still plays a role in pricing.
Program details last reviewed October 21, 2026.
Contact
Tell us about the deal.
Send the basics and we'll come back with what it'll take to fund it — usually within one business day.
- Phone
- 919‑395‑2411
- Office
- Raleigh, NC · Lending Nationwide
- Hours
- Mon–Fri, 8:00 AM–6:00 PM ET
Application
Ready when you are.
A few quick questions about the deal — no SSN, no documents, no commitment yet. Just enough for us to tell you what it'll take to fund it.
- ⏱ Takes 2 minutes
- 🔒 Free, no obligation
- 📞 We respond within 1 business day