Hard Money Loans Near Me
Buckle Up Capital connects real estate investors with hard money lenders across all 50 states. One application. National network of capital sources. Close in 7 to 14 business days.
Loan Parameters
Hard money at a glance
Programs vary by capital source. Final terms disclosed at offer.
What are hard money loans and how do they work?
A hard money loan is a short-term, asset-based loan secured by real estate. The term "hard money" refers to the hard asset backing the loan: your property. Unlike conventional mortgages, hard money lenders focus on the value of the property and your exit strategy rather than your personal income or credit history.
This asset-based approach makes hard money lending the go-to financing tool for real estate investors who need to move fast. When a seller wants to close in two weeks, conventional mortgage financing at 30 to 60 days simply is not an option. Hard money loans near you typically close in 7 to 14 days, giving investors a competitive edge in tight markets.
Buckle Up Capital is a broker, not a lender. We connect investors with a national network of private money lenders and institutional capital sources. One application gives you access to multiple loan programs and competitive pricing without approaching each lender individually. Our process is fully remote. You never need to visit an office.
Hard money lending programs near you
Fix and Flip Loans
Short-term bridge financing for investors buying, rehabbing and reselling. Up to 90% of purchase price, up to 75% ARV. Close in 7 to 14 days.
Bridge Loans
Bridging the gap between purchase and refinance or sale. 3 to 24 month terms, up to 80% LTV. Ideal when conventional financing is too slow.
Hard Money Construction Loans
Ground-up new construction and major renovation projects. Funds released in draws as work is completed. Up to 85% of total project cost.
DSCR Rental Loans
Long-term financing for stabilized rental properties. Qualification based on property cash flow, not personal income. 30-year terms available.
Multifamily Bridge Loans
Bridge financing for 5+ unit properties. Use to stabilize occupancy before refinancing into permanent agency debt.
Commercial Real Estate Loans
Hard money financing for mixed-use, retail, office and light industrial. Asset-based underwriting, fast close, flexible terms.
How to get hard money loans near you
Submit Your Deal
Share the property address, purchase price, estimated rehab costs and your exit strategy. The application takes under 5 minutes.
Get Matched in 24 Hours
We review your deal and match it to the right lender in our network based on state, property type, loan size and experience level.
Review Your Term Sheet
Your assigned capital source issues a term sheet with rate, fees and LTV. Most investors receive terms within 24 to 48 hours.
Close in 7 to 14 Days
Once you accept terms the lender orders an appraisal or BPO. Hard money loans near you typically fund in 7 to 14 business days.
Who qualifies for hard money financing?
Hard money loans are designed for real estate investors, not owner-occupied homebuyers. Because approval is asset-based, the qualifying process is more accessible than conventional financing. Lenders primarily review:
- Property value and after-repair value (ARV)
- Loan-to-value ratio (LTV): typically 70 to 90%
- Exit strategy: resale, refinance or rental
- Borrower experience and review history
- Credit score: typically 580 to 620 minimum
- Down payment: typically 10% to 20% of purchase price
- Property type and market location
Property Types We Finance
- ▸ Single-family homes
- ▸ 2 to 4 unit residential
- ▸ Condos and townhomes
- ▸ Multifamily (5+ units)
- ▸ Mixed-use properties
- ▸ Commercial real estate
- ▸ Vacant land (select programs)
First-Time Investor?
Many lenders in our network work with first-time investors. Expect slightly stricter terms on your first deal. A solid exit strategy and strong property value offset limited experience.
See our beginner investor guide →Hard money loans near you: where we lend
Our network covers all 50 states. Below are our most active lending markets with dedicated local resources.
Hard money loans near me: frequently asked questions
Find hard money loans near me today
Submit your deal in minutes. We match you with the right lender in our network and get you a term sheet within 24 hours. No commitment required.