Direct Lending
Hard money, underwritten on the deal.
Hard money is asset-based lending: the property and the exit carry the decision, not two years of tax returns. That is what lets it move at the speed a competitive purchase actually requires, and why investors use it where a bank timeline would lose the deal.
What makes it hard money
- The asset leads
- We underwrite the property, the business plan and the way you get out of the loan. Personal income documentation is not the centre of the file.
- Built for a deadline
- Investor purchases run on contract dates. These programs are structured around closing on time rather than around a committee calendar.
- Short by design
- Hard money is a bridge to something — a sale, a refinance, a stabilised rent roll. The exit is part of the underwriting, not an afterthought.
- Direct, not brokered out
- We are a direct lender as well as a capital-markets partner, so on the programs we fund ourselves you are talking to the decision-maker.
Programs in this division
Rates, advance rates and closing times live on each program page.
- Fix & Flip LoansFix & Flip loans up to 95% LTC with 100% of renovation costs covered. Close in days, draws in as fast as 48 hours, rates from 8.9%.
- Bridge LoansShort-term bridge financing up to 95% LTC on fix and flip acquisitions with 100% rehab financing — close fast, hold 12–24 months.
- New Construction LoansGround-up construction financing up to 90% LTC with 100% of construction costs covered and rates from 9.99% for seasoned builders.
- Cash Advance / Gap LoansMorby-style gap funding with rates from 2.5% and 24-hour closings to cover the gap between your capital and the deal.
- Emergency Equity PartnershipsLeverage a strong capital partner with LP equity to strengthen your deal — short-term options for time-sensitive opportunities.
- Mixed-Use LoansFinancing for mixed-use properties combining residential and commercial space, structured to fit your deal and timeline.
Worth reading
Written for the person doing the deal.