Hard Money Loans

Asset-based capital, fast

When the opportunity won't wait, hard money lends on the asset — fast, flexible, and built for investors.

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At a glance

Illustrative terms via licensed lending partners*

Basis: Property value / equity
Term: Short-term
Close: As few as several days
Documentation: Lighter than conventional
Exit: Refinance or sale

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Asset-based

Secured by property

Days

To close

Flexible

Situational underwriting

Short-term

Bridge to permanent

How it works

Hard money is asset-based lending secured primarily by real estate rather than by your credit profile or income documentation. Because the collateral does the heavy lifting, hard money closes quickly and accommodates situations conventional lenders can't.

It's a tool for speed and flexibility — bridging a purchase, funding a quick rehab, or capitalizing on a deal that demands certainty of close.

Why business owners choose this

Speed & certainty

Asset-based underwriting delivers fast closings and reliable execution.

Flexible scenarios

Works where conventional financing can't — unique properties, quick timelines, complex borrowers.

Less paperwork

Collateral-driven, with lighter documentation than bank loans.

A clear bridge

Use it short-term and refinance into lower-cost permanent financing.

Is this right for you?

This option tends to be a strong fit when you're:

Time-sensitive acquisitions
Borrowers who need certainty of close
Unique properties conventional lenders avoid
Short-term capital against real estate equity

Common questions

What is a hard money loan?

Hard money is asset-based financing secured primarily by real estate. The property collateral drives the decision, allowing fast closings with lighter documentation.

How fast can it close?

Hard money loans can close in days because underwriting centers on the asset rather than lengthy income verification.

Who is it for?

Real estate investors and business owners who need speed, flexibility, or certainty of close that conventional financing can't provide.

What's the exit strategy?

Hard money is short-term; borrowers typically refinance into permanent financing or sell the property.

See what your equity could do for your business.

Check your options in minutes — a soft-credit prequalification with no impact to your score, and no obligation.

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