Hard Money or Bridge Loan

Asset-based lending is when loans are based on the value of real estate, such as an investment property, multifamily building, or commercial building, rather than strictly considering credit score and debt-to-income levels.

We can help you find common-sense, equity-based financing. We have a strong track record and have worked with a wide variety of investors. Thanks to years of experience, we are equipped to handle even the most complicated of lending scenarios and care more about the real estate you are purchasing or refinancing than inflexible bank requirements.

Private and Hard Money Facts

They are approved and funded quickly

 Typically are for short term use

They provide funding for projects that cannot be financed elsewhere 

Interest rates for Private and Hard Money Lending are higher than bank loans

Private and Hard Money Guidelines

Financing for:

  • Investors
  • Brokers
  • Realtors
  • Non-occupant borrowers
  • Contractors
  • Sub Contractors

Property Types:

  • Single-family residences
  • Multi-family dwellings
  • Apartments
  • Commercial
  • Vacant
  • Rented property
  • Mismanaged rentals

Hard Money Cash Out / Refinance Uses:

  • Increase your cash flow to buy more properties
  • Use hard money to rehab or renovate an investment home or commercial building
  • Pay off an existing mortgage that may have a balloon payment due or has become delinquent
  • Expand your business
  • Pay off tax liens


  • Individuals
  • Partnerships
  • LLCs
  • Corporations
  • Trusts

Income Documentation Needed:

  • Equity-based
  • No tax returns required

Loan Term:

  • 1 to 10 years
  • No prepayment penalty options are available
What is a private lender?

Private lenders are in the business of taking funds from private investors and making private business purpose loans with those funds. Investors expect a decent return from their investments, and the interest rate from money borrowed from banks is significantly higher than the banks are being charged for the funds.

How is a private loan different than a bank loan?

Private lenders specifically offer private loans. As these loans can carry a higher level of risk, the interest rates are also a little higher than what you would get with a mortgage from a traditional bank. Since these rates are typically higher, they can often earn above average rates of return on their investment.

How do private lenders work?

Loans from private lenders work just like loans from banks or credit unions. The borrower first receives funding to buy a property, then they make a purchase, consolidate debt, make home improvements, and take care of any other expenses. Then, they pay the amount borrowed back in installments, with interest. 

How much interest is charged on a private loan?

Generally speaking, private lenders will charge between 6-15%, but this depends on the purpose of the loan, the length of the loan, and the relationship between the borrower and the lender. For instance, it is entirely possible for a parent, close friend, or business acquaintance to act as a private lender.

How to spot a legitimate loan company
  1. Check for contact information. A lender's phone number, email address, and physical address should be readily available on the website, even if it's an online-only lender.
  2. Investigate online reviews.
  3. Look at the Better Business Bureau.
  4. Make sure they are appropriately licensed.

Years in Business

Billion Dollars Funded

Closed Loans

Years in Business

Billion Dollars Funded

Closed Loans

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