Loan Types

    Financing shaped around the project

    Hard money is not one product. These are the main scenarios hard money lenders fund, and what tends to matter in each.

    Fix & Flip Loans

    Short-term funding to buy and renovate a property, with rehab costs released in stages as the work progresses.

    • Purchase plus renovation funding in one facility
    • Interest typically charged on drawn funds only
    • Exit by resale or refinance onto longer-term finance
    Read the full fix and flip loans guide

    Bridge Loans

    Fast, short-term finance that covers the gap between buying an asset and arranging a permanent solution or sale.

    • Auction purchases and time-sensitive acquisitions
    • Release equity from an existing property
    • Terms usually 6–24 months, interest-only

    Rental & Investment Property

    Financing for single rentals and small portfolios, including DSCR-style products assessed on the property's income.

    • Single family, small multifamily and portfolios
    • Assessed largely on rental income and equity
    • Suits investors building long-term holdings

    Construction & Ground-Up

    Staged funding for ground-up builds, spec homes and major renovation, released against a draw schedule.

    • Land plus build packages available
    • Draws released as each stage is verified
    • Suits builders, developers and spec home projects
    Read the full construction and ground-up guide

    Commercial Real Estate

    Asset-based finance for retail, office, industrial, mixed-use and other income-producing commercial property.

    • Acquisition, repositioning and refinance
    • Owner-occupied business premises considered
    • Sized on the asset and the business plan
    Read the full commercial real estate guide

    Land & Special Situations

    Land acquisition, entitlement, partner buyouts, probate and other scenarios conventional lenders decline.

    • Land and entitlement funding
    • Cash-out and partner buyouts
    • Complex or time-critical scenarios
    Read the foreclosure bailout loan guide

    Not sure which fits your deal?

    Plenty of projects sit across two or three of these categories — a land purchase that becomes a build, or a flip that turns into a rental. Describe the deal as it actually is and a specialist will work out the appropriate structure.

    Talk to a specialist

    Tell us about your deal

    Share the property, the numbers and your timeline. We'll help you explore financing options with experienced hard money specialists. Fast closings available, all credit considered. Free, no-obligation inquiry.

    Get your financing options

    Share the basics and a specialist will review your options with you. All credit considered.

    Your inquiry is reviewed by our hard money specialists. Your details are only used for this inquiry. No spam, ever.

    Or email your deal toquote@hardmoneyspecialists.com

    Get Financing →