HARD MONEY LOANS
Fast Real Estate Financing. Real-Time Decisions. Online Application.
Get approved for hard money, bridge loans, and construction financing in as little as 24-48 hours
START YOUR APPLICATION NOW →WHY HARD MONEY FINANCING?
When traditional banks say no, hard money says yes
Fast Approval
Real-time online decisions. Get approved in hours, not weeks.
Asset-Based
Loan based on property value, not credit score. Fix & flip ready.
Flexible Terms
Customized structures for your project. Bridge gaps between funding sources.
Online Platform
Apply 24/7. Track status in real-time. No paperwork hassles.
HARD MONEY LOANS ARE PERFECT FOR:
Fix & Flip Projects
Rehab and resale properties with short-term financing needs
Bridge Financing
Close the gap between purchase and permanent financing
Construction Financing
New construction with draw-based funding and milestone disbursements
Cash-Out Refinancing
Access equity in properties for reinvestment or expansion
Multi-Family Properties
Apartments, duplexes, and small commercial real estate
Non-Traditional Borrowers
Self-employed, recent credit issues, unique circumstances
HOW IT WORKS
Online Application
Submit your property info and financing needs on MortgageAutomator. Takes just 10 minutes.
Property Evaluation
We evaluate the property value and your project potential. Instant feedback on viability.
Pre-Approval
Receive pre-approval decision within hours. Lock in your terms and rate.
Funding
Close quickly and get funded. Access capital to move forward with your project.
HARD MONEY AT A GLANCE
Loan Characteristics
- • Loan Amount: $25K - $5M+
- • Loan Terms: 6 months - 3 years
- • Interest Rates: 8% - 15% (based on risk)
- • LTV Ratio: Up to 80% of ARV
- • Closing Time: 5-10 business days
What You Need
- • Property address & details
- • Estimated ARV (After Repair Value)
- • Project timeline & scope
- • Your experience level
- • Down payment (typically 20-30%)
WHY INVESTORS CHOOSE US
Approval rate for qualified properties with solid projects
Average pre-approval decision time from application
Successful projects funded through our platform
FREQUENTLY ASKED QUESTIONS
How fast can I get funded?
Most borrowers receive pre-approval within 24-48 hours of application. Closing can happen in as little as 5-10 business days. We move fast so you can capitalize on opportunities.
Does my credit score matter?
Hard money loans are primarily asset-based, not credit-based. However, we do prefer to see a score above 600. Your project and property value are what matter most to us.
What is the minimum down payment?
Typically, we require 20-30% down, depending on the project type and property condition. Some rehab projects may qualify for lower down payments if the numbers work.
Can I use hard money for a primary residence?
Hard money is primarily designed for investment properties and projects. We specialize in fix & flips, rentals, and commercial projects, not owner-occupied primary residences.
How do closing costs work?
Closing costs typically range from 2-5% of the loan amount. These can often be rolled into the loan or added to your down payment. We'll provide a detailed breakdown upfront.
Is there a prepayment penalty?
Most of our loans allow prepayment without penalty. Some programs may have minimal penalties. We'll clearly disclose all terms before you apply.
READY TO GET FUNDED?
Start your application now and get a real-time pre-approval decision within hours.