Hard Money Loans in Rhode Island
Find hard money loans in Rhode Island. Compare rates from private lenders serving Rhode Island real estate investors.
Free, No-Obligation Quote
Compare rates from multiple private lenders
Completely Free • No Obligation
Real estate investors in Rhode Island rely on hard money loans and private lending for fast closings and flexible qualification. Bridge Hard Money Loans connects Rhode Island investors with multiple private lenders who compete for your business.
We serve 10 cities across Rhode Island, including Providence, Cranston, Warwick, Pawtucket, East Providence. Rhode Island is a non-judicial foreclosure state with a usury rate cap of 21% general; exempt for business-purpose loans.
Hard money lending in Rhode Island is overseen by the Rhode Island Department of Business Regulation - Banking Division. Our private lenders maintain compliance with all Rhode Island lending regulations.
Hard Money Lending Regulations in Rhode Island
Understanding Rhode Island's lending regulations is important for real estate investors seeking hard money or private financing. Here are the key regulatory factors:
Usury Rate Cap
21% general; exempt for business-purpose loans
DFI Licensing Required
Yes - lenders must be licensed or exempt under state law
NMLS Required for Brokers
Yes - mortgage brokers must be registered with NMLS
Foreclosure Type
non-judicial - typical timeline: 90 days
Regulatory Authority: Rhode Island Department of Business Regulation - Banking Division oversees lending and mortgage activities in Rhode Island.
Bridge Hard Money Loans connects you with private lenders who are compliant with Rhode Island's lending regulations. We are not a lender - we are a referral service.
How It Works
Tell Us About Your Hard Money Loans Need
Share your property details and loan amount. It takes less than 2 minutes.
Compare Offers from Rhode Island Lenders
Private lenders serving Rhode Island review your deal and submit competitive rate quotes.
Close Your Loan
Accept the best offer and close in as little as 7-14 days. Fast funding for your investment.
Why Choose Bridge Hard Money Loans
Close in 7-14 Days
While banks take 30-60 days, our private lenders close in as little as 7-14 days.
Asset-Based Lending
Your property is the collateral. No income verification, no tax returns required for many programs.
Up to 75% LTV
Finance up to 75% of the property value. Higher leverage available for experienced investors.
All Property Types
Residential, commercial, multifamily, mixed-use, land - we connect you with lenders for every property type.
Nationwide Coverage
Our network of private lenders serves real estate investors in all 50 states.
Free, No-Obligation Quote
Compare rates from multiple private lenders. No commitment required.
Serving Your Area
Bridge Hard Money Loans serves real estate investors across Rhode Island. Our network of private lenders provides competitive rates for hard money loans, DSCR loans, fix and flip financing, and more throughout the state.
Hard Money Loans in Rhode Island
Hard Money Loans
DSCR Rental Loans
Fix and Flip Financing
Bridge Loans
Private Money Lending
Rhode Island Investor Lending Guides
What Our Clients Say
“They connected me with multiple private lenders across Rhode Island. The competition between them got me a much better rate.”
“The Rhode Island lending process was faster than I expected. My fix-and-flip loan closed in just 10 days.”
“Needed a DSCR loan for a rental property. No income verification and the whole process was smooth and professional.”
Get Your Free Loan Quote in Rhode Island
Rhode Island real estate investors: compare rates from multiple private lenders.
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