Stop Overpaying for Hard Money Loans.
Compare rates, terms, and lender reputations before you sign. Real data from real deals — no fluff, no sponsored rankings.
Direct Funding for Every Deal
In-house capital, fast decisions, and flexible terms. Pick the program that fits your deal.
Transactional Funding
Fast, flexible same-day capital for back-to-back closings. We fund in hours, not days.
Fund in Hours, Not Days
When seconds matter, we’re built for speed. Get capital when you need it.
Perfect for Double Closings
Don’t lose a deal because of timing gaps. Bridge the buy/sell instantly.
1–5 Day Loan Terms
Use our money, close your deal, pay us back when the resale funds hit escrow.
$350K–$50M Loan Sizes
We fund everything from wholesales to multi-million dollar transactions.
Fully In-House
Work directly with our team. No brokers, no waiting — just fast decisions.
Ideal For
- Double closings where end buyer funds can’t be used for acquisition
- Wholesalers protecting assignment fees
- Investors flipping contracts with same-day resale
- Acquisition funding with simultaneous resale lined up
- Title or escrow compliance for short-duration ownership
Loan Terms
Residential Loan Programs
Residential Bridge Loan
Short-term capital to bridge the gap between purchase and refinance — closed in days, not weeks.
Residential Fix & Flip Loans
Fast, simple financing for fix & flip projects. Get in, renovate, and get out — profitably.
Residential RTL Loans
Renovate-to-list financing with fast closings, simple underwriting, and real-world flexibility.
New Construction Loans
Funding for ground-up residential projects, from entitled lots to near-complete builds.
Rental Property Hard Money Loans
Finance your next cash-flowing door — fast and flexible capital for SFR and small multi-family rentals.
Commercial Loan Programs
Multi-Family Hard Money Loans
Asset-based bridge capital for 2+ unit residential buildings — from duplexes to 200+ unit complexes.
Retail Hard Money Loans
Fast-moving capital for neighborhood centers, strip malls, and mixed-use — tenant-driven real estate.
Industrial Hard Money Loans
Bridge loans for warehouses, distribution centers, and flex spaces with clear business plans.
Hospitality Hard Money Loans
Capital for operators turning rooms into revenue — boutique hotels, flagged properties, and conversions.
Self-Storage Hard Money Loans
Secure capital for secure cash flow — bridge financing for stabilized or value-add storage assets.
Build to Suit Hard Money Loans
Pre-leased projects, purpose-built — bridge financing for developments tailored to committed tenants.
Entitled Land Hard Money Loans
Entitled, zoned, and ready — short-term financing for land with a viable path to development.
Acquisition & Development (A&D) Loans
Capital to take land from potential to project — acquire and prepare sites for vertical construction.
Specialty & Other Programs
Secure Business Advances
Real estate-backed cash for growing businesses — asset-based, not credit-based, funded fast.
Cannabis Hard Money Loans
Lending on green zones, backed by hard assets — compliant cannabis-use real estate in approved markets.
Hard Money Loan Note Purchasing
Sell your loan. Exit clean. We acquire performing or non-performing real estate-backed notes — fast, fair pricing.
Why Investors Trust HardMoneyHub
Making sense of hard money lending shouldn\'t require a finance degree. Here\'s how we help.
Independent Reviews
Honest, unbiased lender comparisons. We don't accept pay-for-ranking.
Real Cost Data
Actual rate sheets, points, and fee breakdowns from funded deals.
Market Analysis
Updated lending trends so you know what terms to expect right now.
Investor Community
Real feedback from borrowers who've closed with these lenders.
Latest Guides
Expert insights on hard money lending, fix-and-flip deals, and real estate investment.
Fix & Flip Profit Calculator
Run the numbers before you commit. Our interactive calculator shows you exactly what your fix-and-flip deal will cost — purchase, rehab, hard money fees, and projected profit.
Bridge Loans vs Hard Money: Which One Do You Actually Need?
They sound similar but work very differently. We break down the rates, terms, speed, and ideal use cases so you stop guessing and start closing.
Top 5 Hard Money Lenders in 2026 — Ranked by Speed & Terms
We reviewed 40+ lenders across the US. Here are the five that actually close fast, have transparent fees, and don't bury you in junk charges.
Hard Money Interest Rates: What You'll Really Pay in 2026
Rates range from 9% to 15% — but the real cost is in the points, fees, and prepayment penalties. Here's the full breakdown with real examples.
First-Time Investor? Here's How Hard Money Actually Works
Skip the jargon. This plain-English guide walks you through LTV, ARV, points, and exit strategies — everything you need before your first deal.
Commercial vs Residential Hard Money — Different Rules, Different Game
Commercial hard money has higher minimums, different underwriting, and bigger upside. Learn which lane fits your investment strategy.
How to Qualify for Hard Money in 48 Hours
Hard money is about the deal, not your credit score. Here's exactly what lenders look at and how to package your application for the fastest approval.
Hard Money Rates at a Glance
Current market ranges — updated weekly. Actual rates depend on deal specifics.
Fix & Flip
Bridge Loan
Commercial
Get Funded — Submit Your Deal
Tell us about your project and upload your documents. A funding specialist will review your scenario and follow up fast.