Hard Money Loan: Fast, Asset‑Based Funding for Investors and Fix‑and‑Flip Projects
Quick Facts
- Fast approvals and funding
- Asset‑based qualification
- Ideal for investors and fix‑and‑flip projects
- Flexible credit requirements
- Short‑term financing options
What Is a Hard Money Loan?
A Hard Money Loan is a short‑term, asset‑based mortgage used primarily by real estate investors. Approval is based on the property’s value and potential, not traditional income or credit documentation, making it ideal for fast closings and renovation projects.
Hard Money Loan Benefits
- Fast approvals and quick funding
- Asset‑based qualification
- Flexible credit and income requirements
- Ideal for fix‑and‑flip or investment properties
- Short‑term financing with interest‑only options
Hard Money Loan Eligibility Requirements
- Property value and condition must meet investor guidelines
- Exit strategy required (sale or refinance)
- Acceptable credit profile (flexible)
- Adequate down payment or equity
- Works for investment properties only
How a Hard Money Loan Works
Hard Money Loans qualify based on the property’s value and potential after repairs. Investors receive short‑term funding for purchases or renovations, with repayment typically through a sale or refinance once the project is complete.
Ready to see your loan options? Start below — fast, secure, and no credit impact.