Close in Days, Not Months. Hard Money Gets It Done.

Close in Days, Not Months. Hard Money Gets It Done.

When a bank says no or drags its feet, hard money fills the gap. Underwriting is built on the asset, closings happen fast, and the deal itself matters more than what your tax returns say.

Close in Days, Not Months. Hard Money Gets It Done.

When a bank says no or drags its feet, hard money fills the gap. Underwriting is built on the asset, closings happen fast, and the deal itself matters more than what your tax returns say.

Asset Based Lending from Private Capital Sources

Hard money is asset based lending from private capital. The lender underwrites the property and the merits of the deal, not the fine print of your personal financials, and that is why these loans can fund in 7 to 14 days when a bank never could. Our network runs deep here: private lenders, family offices, and dedicated hard money funds placing capital on commercial and investment properties across the country. Nobody pretends it is cheap. But when you need to move fast, your credit has a few dings, or the deal only works with a lender willing to look at the asset first and the borrower second, hard money is often the only capital that shows up.

Key Terms

Loan Range: $100K to $25M+
Terms: 6 to 24 months
LTV: 65% to 75%
Rates: 9% to 14%
Points: 1 to 4 points
Speed: 7 to 14 days

Who Is It For

  • Investors needing to close quickly on competitive acquisitions
  • Borrowers with credit issues who can't qualify for conventional financing
  • Developers needing gap financing between project phases
  • Property owners facing loan maturity with no extension options
  • Buyers in foreclosure, auction, or distressed sale situations

Common Use Cases

  • Time-sensitive property acquisitions requiring 7-14 day closings
  • Bridge financing when conventional lenders decline or move too slowly
  • Foreclosure bailout and payoff of maturing loans
  • Acquisition of properties that don't qualify for bank financing
  • Gap financing between construction phases or renovation milestones

Borrower Scenarios

  • A real estate investor closing on a 12-unit apartment building at a courthouse auction, funding a $1.4M hard money loan in 9 days because the sale required proof of funds within 72 hours and closing within two weeks.
  • A borrower with a 580 credit score acquiring a distressed retail strip center for $800K, using a hard money loan at 65% LTV because conventional lenders declined the deal based on credit history alone, despite the property's strong underlying value.
  • A developer securing $2.5M in hard money to acquire a commercial property while their conventional construction loan was still in underwriting, using the hard money as temporary acquisition financing that was paid off within 45 days when the bank loan funded.
  • A property owner facing a balloon maturity on a $1.8M commercial mortgage, using a 12-month hard money loan to pay off the maturing note and buy time to stabilize occupancy before refinancing into permanent debt at better terms.

Why CapitalAx

Private Lender Relationships Built on Volume: Private lenders reward the brokers who keep sending them good deals. Because of the volume we push across our 350+ lender network, our hard money sources pick up the phone faster, sharpen their terms, and stretch further on tough files, since they know what we bring them tends to close.
Exit Strategy Planning from Day One: Hard money is temporary by design. Before we fund a single dollar, we map how you get out of it, whether that is a conventional refinance, a sale, or a permanent takeout. Placing the loan is only half the job. Planning the exit is the other half.
Asset-First Deal Packaging: We package these deals the way private lenders actually read them, leading with property value, comps, and structure instead of a stack of tax returns. That gets approvals moving quickly and opens doors for borrowers with non-traditional profiles who would struggle to find this capital on their own.

Frequently Asked Questions

How fast can a hard money loan close?

With clear title and a recent appraisal, a straightforward deal can fund in as little as 7 days. Most land somewhere between 10 and 14. Speed is the whole reason people reach for hard money instead of a bank.

What credit score do I need for a hard money loan?

Credit matters far less here than the property and the structure. Borrowers in the 550 range can still get funded when there is enough equity in the asset and the LTV stays conservative. Some hard money lenders skip the credit pull entirely.

Is hard money only for fix-and-flip deals?

No. Fix-and-flip is common, but it is far from the only use. We place hard money for commercial acquisitions, bridge situations, foreclosure bailouts, construction gap funding, and any deal where the timeline or the borrower's profile puts a conventional lender out of reach.