Fast, Flexible Financing for Real Estate Investors
Hard money, bridge loans, and fix & flip financing for investors who need speed, flexibility, or funding on properties that don't fit conventional or agency guidelines.
When Speed and Flexibility Matter More Than the Rate
Hard money and bridge loans are short-term, asset-based financing tools designed for investors who need to move quickly — whether that's buying a fix and flip, bridging a gap between transactions, funding a renovation that conventional lenders won't touch, or acquiring a property that doesn't yet qualify for permanent financing.
These programs are evaluated primarily on the asset — the property's value, purchase price, after-repair value (ARV), and the investor's exit strategy — rather than personal income or standard documentation. That makes them a strong tool for experienced investors and situations where traditional financing simply won't work.
Common Use Cases
Fix and flip acquisitions and renovation financing
Bridge loans between a sale and a new purchase
Properties that need work before qualifying for permanent financing
Fast closings where conventional timelines won't work
Transitional financing for investors building or repositioning a portfolio
What to Know
Shorter loan terms — typically 6 to 24 months
Higher rates than permanent financing — priced for speed and flexibility
Evaluated on property value and exit strategy, not just income
Experienced investors typically have more options
A clear exit plan (sell, refinance, rent) is essential
Subject to lender guidelines, property type, and borrower experience
Common Questions
Hard money typically refers to asset-based private lending, often used for fix and flip or distressed properties. A bridge loan bridges a gap between two transactions — for example, buying a new property before selling an existing one. In practice the terms overlap and both are short-term, flexible financing tools.
Most hard money lenders focus on the property value — the purchase price, current condition, and often the after-repair value (ARV). Your experience as an investor, down payment or equity, and exit strategy also play a role. Income documentation requirements are typically lighter than conventional loans.
Hard money loans are specifically designed for speed. Closings in one to two weeks are common in many scenarios. Timeline depends on the lender, property, title, and how quickly documentation is provided.
Hard Money & Bridge Overview
Terms vary significantly by lender, property, and scenario