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Type of credit

Hard Money Loan

A Hard Money Loan is a specific type of asset-based loan financing through which a borrower receives funds secured by the value of a parcel of real estate. Hard Money Loans are typically issued by private investors or finance companies. Interest rates are typically higher than conventional commercial or residential property loans because of the higher risk taken by the lender. Most Hard Money Loans are used for projects lasting from a few months to a few years. Hard Money Loan is similar to a Bridge Loan, which usually has similar criteria for lending as well as cost to the borrowers. The primary difference is that a Bridge Loan often refers to a commercial property or investment property that may be in transition and does not yet qualify for traditional financing, whereas Hard Money Loans often refers to not only an asset-based loan with a high interest rate, but possibly a distressed financial situation, such as arrears on the existing mortgage, or where bankruptcy and foreclosure proceedings are occurring.

The qualifying criteria for a Hard Money Loan varies widely by the loan purpose, credit scores, income and other conventional lending criteria may be analyzed. However, primarily qualification of a loan amount based on the value of the real estate being collateralized. Typically, the biggest loan one can expect would be between 50% and 75% of the property value.

Loan Amount Purchase Cash Out Credit Score Reserves
$10,000,000 Up to 75% LTV Up to 75% LTV Case by Case N/A

Property Type:

  • 1-4 Family, High-Rise Condos, Non-Warrantable Condos and Condo Hotels
  • Investment Property Only

Income Docs:

  • No Income Verification


  • No Minimum Asset Required


  • No Minimum Credit Required

This type of loan secured by the Mortgage is exempt from any provisions of the Real Estate Settlement Procedures Act of 1974, as amended and Regulation “X” of the Secretary of Housing and Urban Development because the proceeds of the Loan and the Loan proceeds are being used for as an extension of credit primarily for a business, commercial, or agricultural purpose, as defined by 12 CFR 1026.3(a) (1) of Regulation Z.

This is not a commitment to lend, each applicant and borrower must be approved by the lender or investor. All terms and rates are subject to change with out notice. Please call our office to get pre-qualified.


20200 W Dixie Hwy Suite 1104

Aventura, FL 33180

Call Center:

Tel: 800-373-0812

Fax: 305 692-3000

Business Hours:

Mon - Fri 9:00am - 5:00pm

Weekends Closed