Hard Money Loan
Asset-based lending with speed over paperwork.
- Rates from
- 10.5%*
- Typical term
- 6 months–3 years
- Min amount
- $100K
- Max amount
- $25M
What is a Hard Money Loan?
Hard money loans are funded by private lenders and secured primarily by the property's value rather than the borrower's income. They close quickly — sometimes in days — and suit investors, credit-challenged borrowers, or unusual assets. Expect higher rates and shorter terms in exchange for speed and flexibility.
Best for
- Speed
- Credit-challenged borrowers
- Unusual assets
* Rates and terms shown are indicative and vary by lender, borrower, and property. Not a commitment to lend. Subject to credit approval.
Lenders offering Hard Money
5 lenders in our directory finance this loan type.
Bloomfield Capital
Direct commercial real estate bridge lender
A direct commercial real estate lender providing private capital for bridge and hard-money loans, with a New York City office and NYC lending activity.
- Loan size
- Contact for details
- Coverage
- All NYC
Kiavi
Business-purpose loans for real estate investors
A private, non-bank lender for real estate investors offering fix-and-flip, bridge, and rental financing. Kiavi lists New York among the states where it lends, and its loans are for non-owner-occupied investment properties only.
- Loan size
- Contact for details
- Coverage
- All NYC
Lima One Capital
Private lender for real estate investors
A private lender offering fix-and-flip, bridge, new-construction, rental, and multifamily programs. Its New York page states its loans are ideal for investments across New York City's five boroughs.
- Loan size
- Contact for details
- Coverage
- All NYC
Manhattan Bridge Capital
Hard-money lender for New York real estate investors
A publicly traded hard-money lender (NASDAQ: LOAN) to professional real estate investors, offering fix-and-flip, bridge, and small new-construction loans across all five NYC boroughs.
- Loan size
- Contact for details
- Coverage
- All NYC
Stormfield Capital
Direct bridge and hard-money lender for investors
An SEC-registered investment adviser and direct bridge lender for residential and commercial real estate investors, with fix-and-flip, bridge, new-construction, and multifamily value-add programs. Investment-purpose only, with funded NYC deals.
- Loan size
- Contact for details
- Coverage
- All NYC