What is a hard money loan?
A hard money loan is short-term, asset-based financing secured by real estate. We underwrite primarily on the strength of the property rather than on conventional bank criteria, which lets us close far faster than a traditional lender.
How fast can you close?
It depends on the program. Hard money can close in as few as 3–10 days; most other programs range from roughly 7 to 45 days. See each loan program page for its specific timeline.
What loan amounts do you offer?
Loan sizes range from $75K on our Rental / DSCR program up to $250M on Ground-Up Construction, depending on the product. Each program page lists its exact minimum and maximum.
What states do you lend in?
We lend nationwide in 44 states. We currently do not lend in Arizona, Oregon, North Dakota, South Dakota, Vermont, or Nevada.
Do you have a minimum credit score?
It varies by program — Hard Money has no minimum credit score, while others range from about 600 to 700 FICO. Check the specific program page for its exact requirement.
What property types do you finance?
Single-family (1–4 units), multifamily (5+ units), mixed-use, retail, office, hospitality, self-storage, senior housing, marinas, parking, and automotive properties.
What fees should I expect?
Where stated, fees include origination (0.00%–2.75% residential, 1.75%–2.75% commercial), appraisal ($500–$1,250 residential, project-specific on commercial), underwriting and processing ($495–$1,995 residential, $2,495–$4,995 commercial), and legal ($1,495–$2,495 residential, $2,495–$4,995 commercial). Some programs — like FlexCap Business Bridge — use a different fee structure; see that program's own page. Exact fees are confirmed in your term sheet.
Do you work with mortgage brokers?
Yes. We have a dedicated broker program with a broker portal. Visit our Brokers page to learn more and access the portal.
Are these loans for primary residences?
No. Our programs are for business-purpose, investment, and commercial real estate — not owner-occupied primary residences. [VERIFY — confirm exact occupancy policy with compliance.]
How do I apply?
Start with our quick application, which hands off to our secure lender portal. You can also call us at our main line during business hours — we generally respond in 1–3 hours.