Private Money / Hard Money Loans

Private Money (Hard Money) loans are short-term, asset-based financing solutions used when speed, flexibility, or property condition makes traditional financing impractical.

Approval is primarily based on the value of the property, not the borrower’s income. These loans are commonly used for investment properties, fix-and-flip projects, bridge financing, or time-sensitive purchases where fast closings are essential.

While interest rates are higher than conventional loans, private money provides quick access
to capital and fewer underwriting requirements, making it a powerful tool in competitive or
non-traditional scenarios.

Key Features:

• Asset-based approval
• Minimal income documentation
• Fast closings (often 7–14 days)
• Short-term loan structure
• Flexible underwriting
• Available for investment properties and unique scenarios

Best for:
Real estate investors, developers, buyers purchasing distressed properties, or borrowers
needing rapid funding when timing matters more than long-term rates.