Hard money loans are short-term, real estate-backed loans offered by private lenders like us. Unlike traditional bank financing, approval is based primarily on the property's value and your investment strategy—not your credit score or income history.

Unlike conventional bank loans, which often involve lengthy approval processes, strict documentation requirements, and heavy scrutiny of your credit history and income, hard money loans are asset-based. This means the loan is secured by the real estate itself, and approval is based largely on the property's current value or its after-repair value (ARV) if renovations are planned.