Overview

Short-Term, Asset-Based Financing — Fast Capital Secured by Real Estate.

Hard Money Lending offers quick, flexible funding for investors and developers who need capital fast. Primarily secured by real estate, these loans are ideal for fix-and-flip projects, bridge financing, or acquisitions where speed and adaptability are more important than traditional lending requirements. With a streamlined approval process and an asset-based approach, borrowers gain access to funds without the strict criteria of conventional loans.

• Asset-Based Lending – Funding primarily secured by real estate value.
• Fast Access to Capital – Close in days, not months.
• Flexible Terms – Designed for short-term needs and unique scenarios.
• Investor-Friendly – Perfect for fix-and-flip, bridge loans, or quick acquisitions.
• Minimal Red Tape – Less reliance on credit scores and income.
• Higher Leverage – Unlock capital tied up in properties.
• Exit-Strategy Focused – Tailored terms aligned with your investment timeline.

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Eligibility Requirements (Loan Document Checklist)

• Signed Loan Application –Completed borrower application form.
• Government ID – Driver’s license (or passport for foreign nationals).
• Rehabilitation Estimate – Required for fix-and-flip projects.*
• Construction Budget – Required for ground-up construction.*
• Entity Documentation – Operating Agreement for borrowing entity.
• Tax Identification Number – IRS EIN letter for borrowing entity.
• Purchase Agreement – Required for acquisition loans.Property Insurance – Must include:
  
  • Coverage equal to loan amount or full replacement cost
  • $500,000 liability coverage
  • Flood insurance (if applicable)
  • Builder’s risk for fix-and-flip or ground-up construction
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• Verification of Funds – 3 months of bank statements showing:
  • Liquidity for 6 months of loan payments
  • Ability to cover closing costs
  • Down payment (for acquisitions)
  • 10% of proposed construction or rehab budget