Hard money loans, secured by property you own.
Use existing real estate to access quick cash for additional properties and investment opportunities.
- Your property backs the loanReal estate you own secures the financing.
- Value drives approvalThe property’s value counts for more than credit history alone.
- Built for short termsMeant to carry a purchase or project, then be repaid or refinanced.
- We listen firstEvery business is different. We listen carefully to each owner before we make an offer.
From application to funded deal in three simple steps.
Apply, we review the property and your plan, and you close on the deal.
Share the basics
A short application and details on the property you plan to use. Your advisor handles everything from there.
We review your file
Our capital formation experts evaluate the property and your plan. We listen first, then set the amount and terms with you.
Close and invest
Sign your contract and put the funds to work on your next property or opportunity. Repay on the schedule you agreed to.
What is a hard money loan?
A hard money loan is short-term financing secured by real estate. Instead of leaning mainly on credit history, approval looks first at the value of the property.
Investors use hard money for time-sensitive deals: buying a property, funding a fix-and-flip, or acquiring the next asset while the opportunity is open.
Because the property backs the loan, your plan for repaying it matters as much as the paperwork. Short terms suit a clear exit, such as a sale or a refinance.
Hard Money
- Secured byReal estate you own
- ApprovalDriven by property value
- TermShort-term
- Common usesFlips, acquisitions, tight timelines
Built for deals that can’t wait on a bank.
Your next property, fix-and-flips, fast closings, and time-sensitive deals.
- Buying the next propertyUse equity in property you own to move on the next one while it’s available.
- Fix-and-flip projectsFund the purchase and the renovation, then sell or refinance when the work is done.
- Deadline-driven closingsWhen a seller wants a fast close, property-backed capital keeps you in the deal.
- Investment opportunitiesAct on a property or project that fits your strategy before it passes.
It’s a good fit if
- You own real estate you can put up as security for the loan.
- You have a time-sensitive purchase or investment to fund.
- You have a clear plan to repay it, such as a sale or a refinance.
Look at another option if
- You need short-term capital to reach a milestone, not to buy property. See Bridge Loans.
- You’re financing several properties together. See Portfolio Loans.
- You want long-term financing on a property you’ll keep. See Commercial Property Loans.
Hard money FAQs.
The basics, answered honestly. For anything specific to your business or timing, an advisor is one call away.
How does a hard money loan work?
The loan is secured by real estate. Approval depends mostly on the value of the property and your plan for the deal. It is meant to be short-term, repaid by a sale, a refinance or other planned proceeds.
What can I use it for?
Common uses are buying an investment property, funding a fix-and-flip, or acting on a time-sensitive deal. Tell your advisor what the deal is.
Does my credit matter?
Credit can still get a look, but the property carries more weight than credit history alone. We weigh the property, your plan and your experience together.
What property can secure the loan?
Real estate you own, whether it’s residential investment property or commercial property. Your advisor reviews the property and tells you what they need to see before you send anything.
What does hard money cost?
Your advisor goes over the full cost with you before you sign anything.
Do I qualify?
We weigh the property, the deal and your plan to repay together, not one factor alone. The fastest way to know is a short call with an advisor.
What do I need to apply?
The application and details on the property you plan to use. Your advisor may ask for more, such as an appraisal or a plan for the project, and tells you exactly what and why before you send anything.
Your next deal needs capital. Let’s fund it.
Tell an advisor about the property and what you want to do with it.
