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Hard Money & Fix and Flip Loans
Asset-based capital when speed decides the deal
Short-term, collateral-first financing for investors who need to close fast. We underwrite the property, the budget and the exit rather than tax returns, and can fund purchases, rehabs, and time-sensitive payoffs in days rather than months.
- Loan size
- $100K – $10M
- Loan-to-cost
- Up to 90%
- Loan-to-ARV
- Up to 70%
- Speed
- As fast as 5 – 10 days
Best used for
- Auction, foreclosure and distressed purchases
- Fix and flip projects with a defined scope of work
- Bridging to a refinance, sale, or permanent loan
- Borrowers who cannot wait on conventional underwriting
What we will need
- Purchase contract or current mortgage statement
- Rehab budget and scope of work
- Proof of funds and recent bank statements
- Entity documents, ID, and insurance binder
Programs in Hard Money
Hard Money Loan
Asset-based bridge capital with speed as the priority. Underwritten to the property, not the paperwork.
- Rate
- 9.90% – 13.50%
- Origination
- 1.5 – 3.5 pts
- Term
- 6 mo – 2 yr
- Turnaround
- 5 – 14 days
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Fix & Flip Loan
Purchase plus rehab capital with proceeds released against a scope of work.
- Rate
- 9.50% – 12.50%
- Origination
- 1.5 – 3 pts
- Term
- 9 mo – 2 yr
- Turnaround
- 5 – 15 days
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How the process works
- Step 1
Submit the deal
Address, purchase price, ARV, budget and requested loan.
- Step 2
Instant metrics
The portal calculates LTC, LTV, LTARV and your cash required automatically.
- Step 3
Term sheet
Indicative terms typically within 24–48 hours of a complete file.
- Step 4
Fund
Appraisal or BPO, title, and closing — with draw management on rehab dollars.
Frequently asked
Do you check credit?
Yes, but as one factor. Experience, equity and exit strategy carry more weight than a score.
Is rehab money held back?
Renovation proceeds are typically escrowed and released in draws against completed work.
More questions? Read the full FAQ or contact our Brickell office.
Other financing programs
Rates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Loan calculator
Estimate monthly payments and total interest for this program.
Loan payment calculator
Estimate your monthly payment and total interest. Rates and terms pre-fill from typical market pricing for each program — adjust them to model your own scenario.
Typical range for this program: 9.9% – 13.5% · Fixed, interest only
Estimated monthly interest
$4,875
- Total interest
- $117,000
- Total interest + payoff
- $617,000
- Principal
- $500,000
- Est. origination points
- $12,500
Interest-only program: principal is repaid as a balloon at maturity.
Get a real quoteRates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Submit your loan request
Send us the basics and a loan advisor will respond within one business day.