Hard Money
When the deal moves faster than a bank can.
Hard money is short-term, asset-based lending: the loan is secured by the property's value and exit plan rather than your income documentation. It closes in days, not weeks, and is built for fix-and-flip, bridge, and auction purchases.
We place hard money with reputable private lenders and — just as important — line up the take-out: the DSCR or conventional loan you'll refinance into when the project is done.
Three steps, start to keys.
Deal review
Purchase price, rehab budget, and after-repair value — we underwrite the exit first.
Fast close
Minimal documentation; title and appraisal or BPO move in parallel.
Exit
Sell or refinance into long-term financing we've already lined up.
Why are rates higher?
Speed and flexibility cost more. The math works when the project margin supports it — we'll tell you when it doesn't.
Do I need experience?
Not always, but first-time flippers may see lower leverage.
Can I get rehab money?
Yes, most lenders fund rehab in draws against the approved budget.