Hard Money

Hard money or bridge loans are short-term financing solutions meant to carry a business until long-term financing comes through. They come in many forms but are generally secured on company assets like real estate or equipment. They’re especially popular with fix and flip real estate investors because they can cover renovation expenses until the property is sold. At the end of the loan term, some hard money loans can be rolled over into a new loan with a longer term.

HARD MONEY

Overview

Hard money loans provide fast financing when traditional banks can’t move quickly or approve based on strict credit requirements. These short-term loans, often backed by assets such as real estate, equipment, or inventory, allow businesses to access capital without relying solely on credit history. While terms are typically one to two years with higher interest rates, they are well-suited for covering funding gaps, flipping properties, or bridging the time between purchase and long-term financing.

Real Estate Flips

Finance the purchase and renovation of property before resale or long-term financing.

Equipment Financing

Secure new equipment quickly without waiting to sell existing assets.

Receivables Funding

Generate cash from outstanding invoices while waiting on client payments.

KEY FEATURES AT A GLANCE

Loan Highlights

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Short-Term

Hard money loans offer short-term financing solutions.

Fast Approval

Approval times can be as short as a few days.

Asset-Based

These loans are based on the value of fixed assets.

No Credit Check

Lenders rarely look at credit history.

Exit Strategy

Many short-term loans can be rolled into a long-term financing solution at the end of their term.

150+

Lenders in our network

$500M

In available funds

24H

Fastest close

BENEFITS THAT ADD VALUE

Pros

Quick Cash

Hard money loans are great fash cash options.

Asset Driven

Approval is based on the value of assets, not credit history

Loan Variety

A variety of loan types are available.

More Flexibility

Hard money loans are typically more flexible than traditional loans.

FACTORS TO CONSIDER CAREFULLY

Cons

Repayment Risk

If long-term financing fails to come through, the hard money loan still has to be repaid.

Higher Rates

Interest rates are generally higher than some other loan types.

Use Limits

There can be some restrictions on the use of funds.

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