Fast Close · Fix & Flip · Value-Add · Bridge Financing

Hard Money & Bridge Loans —
Speed is the Advantage.

When a great deal requires a fast close — or when a property doesn't qualify for conventional financing yet — hard money and bridge loans are the answer. We close in 2-3 weeks with minimal documentation and asset-based underwriting.

Apply Now → Call 510-786-8739

Program Overview

Hard Money / Bridge at a Glance

2-3

Week Close

Asset-based underwriting

12-24

Month Terms

Interest only available

65-70%

Max LTV

As-is value

75-80%

Max LTC

Loan to cost

Income Docs

Asset-based qualification

All

Property Types

Residential & commercial

Use Cases

When Hard Money Makes Sense

Fix & Flip

Purchase and renovate a property for resale. We finance both acquisition and rehab costs in a single loan. Fast close wins the deal.

Value-Add Acquisition

Buy an underperforming property, improve it, then refinance into permanent financing at the new higher value.

Bridge to Permanent

Property doesn't stabilize yet for conventional financing. Bridge loan buys time to lease up, renovate, or season before refinancing.

Foreclosure / Auction Purchase

Cash-equivalent speed is required for auction purchases. Hard money closes in days, not weeks.

Commercial Acquisition

Great commercial deal needs to close fast before another buyer steps in. Bridge financing matches seller timelines.

Construction Completion

Project ran out of funding. Bridge loan provides capital to complete construction so it can be refinanced or sold.

Loan Structure

How Hard Money Works

Asset-Based Underwriting

Qualification is primarily based on the property value and the borrower's equity — not income, tax returns, or DTI. This is why hard money can close so fast.

LTV vs LTC

LTV = Loan to current as-is value (typically 65-70%). LTC = Loan to total cost including rehab (typically 75-80%). We structure deals to maximize your leverage while meeting lender requirements.

Interest Only Payments

Most hard money loans are interest only for the term — typically 12-24 months. This keeps monthly payments low during the renovation or lease-up period.

Exit Strategy Required

Hard money lenders want to know how you'll exit — sale or refinance into permanent financing. We help you plan and execute both the bridge loan and the exit strategy.

Common Questions

Hard Money Loan FAQs

What is the interest rate on hard money loans?

Hard money rates are typically 9-13% depending on the lender, property type, LTV, and borrower experience. While higher than conventional rates, the speed and flexibility justify the cost for the right deal.

How fast can a hard money loan close?

We have closed hard money loans in as little as 5 business days for straightforward deals. Complex deals or large loan amounts typically take 2-3 weeks. The key is having your documentation ready.

Do I need good credit for a hard money loan?

Credit is less important than with conventional loans — the property and equity are the primary collateral. However, most hard money lenders still want to see no recent bankruptcies or major recent derogatory events.

What is the difference between hard money and bridge loans?

They are similar — both are short-term asset-based loans. Hard money traditionally refers to private lenders with very fast close times. Bridge loans can come from institutional lenders and may have slightly better rates with a bit more documentation.

Can I use hard money for a primary residence?

Hard money for primary residences has more regulatory restrictions. Most hard money programs are for investment properties. Some lenders offer bridge loans for owner-occupied properties in specific scenarios.

What happens if I can't pay off the hard money loan at maturity?

Most hard money lenders allow one extension (typically 3-6 months) for a fee if you can demonstrate progress toward your exit strategy. Proactive communication with your lender is essential if you need more time.

Have a Deal That Needs to Close Fast?

Send us the address, purchase price, and your plan. We'll tell you what we can do within hours — not days.

Submit Your Deal → Call 510-786-8739

CA DRE #01480904 · NMLS #300923 · Equal Housing Lender · Hard Money Available Statewide & Nationwide

Hard Money & Bridge Loans —Speed is the Advantage.