Hard Money Loans for Real Estate Investors
Fast, asset-based financing from private lenders. Close in 7-14 days with no income verification.
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What Is a Hard Money Loan?
A hard money loan is a short-term, asset-based loan secured by real property. Unlike conventional bank loans that focus on your credit score, income history, and employment status, hard money lenders focus primarily on the value of the collateral property. This means faster approvals, fewer documents, and closings in as little as 7-14 days.
Hard money loans are used by real estate investors, house flippers, developers, and business owners who need fast capital that traditional banks cannot provide on their timeline.
When to Use a Hard Money Loan
- Time-sensitive deals - when a bank's 30-60 day timeline would cost you the deal
- Fix-and-flip projects - short-term financing for property rehab and resale
- Self-employed borrowers - when you cannot document conventional income
- Bridge financing - between the purchase and permanent financing
- Properties that banks won't finance - distressed, vacant, or non-conforming properties
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How It Works
Tell Us About Your Deal
Share the property type, location, and loan amount. It takes less than 2 minutes.
Compare Offers from Private Lenders
Our network of private lenders review your deal and compete to offer you the best rates and terms.
Close Your Loan
Accept the best offer and close in as little as 7-14 days. Funds wired 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.
Frequently Asked Questions
What is a hard money loan?
A hard money loan is a short-term, asset-based loan secured by real property. The lender focuses on the property value rather than the borrower's income or credit. Most close in 7-14 days.
What LTV do hard money lenders offer?
Most hard money lenders offer up to 65-75% LTV. Higher leverage may be available for experienced investors with a proven track record.
What are typical hard money loan rates?
Hard money rates typically range from 8-15% with 1-3 origination points. Rates vary by lender, property type, LTV, and borrower experience. Comparing multiple lenders is the best way to get competitive rates.
How long are hard money loan terms?
Most hard money loans have terms of 6-24 months. They are designed as short-term financing with the expectation that you will refinance or sell the property.
Are there any fees to get a quote?
No. Our service is completely free for borrowers. Bridge Hard Money Loans earns its fee from the lending companies - you never pay us anything.
Get Your Free Loan Quote Today
Compare rates from multiple private lenders. Free, no-obligation quote.
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