Borrower Programs
We offer specialized hard money loan programs tailored to different borrower types. Whether you're a real estate investor, contractor, or business owner, we have financing solutions designed for your specific needs.
Real Estate Investors
Whether you're a seasoned investor or just starting your portfolio, our hard money loans provide the speed and flexibility you need to capitalize on opportunities. We understand the unique financing challenges investors face and offer solutions tailored to your investment strategy.
Key Benefits:
- Fast approvals to compete with cash buyers
- No income verification required
- Loan based on property value, not personal credit
Fix-and-Flip Contractors
Contractors specializing in renovation projects need reliable financing partners who understand the construction timeline and can fund both acquisition and rehab costs. Our hard money loans are designed specifically for fix-and-flip professionals.
Key Benefits:
- Up to 100% of rehab costs financed
- Interest-only payments during renovation
- Draw schedules aligned with construction phases
Small Business Owners
Small business owners often face challenges securing traditional financing due to irregular income streams or recent business formation. Our hard money loans focus on property equity rather than business financials, providing access to capital when banks say no.
Key Benefits:
- No business tax returns required
- Financing based on property value
- Funds for business expansion or equipment
Commercial Property Developers
Commercial developers need substantial capital with flexible structures to execute complex projects. Our hard money loans for developers offer the leverage and speed required to acquire, develop, and exit commercial real estate opportunities.
Key Benefits:
- Loan amounts up to $10 million
- Construction-to-permanent options
- Interest reserves for development period
Residential Property Rehabs
Investors focused on renovating residential properties for resale or rental need financing that covers both acquisition and improvement costs. Our rehab loans are structured to support projects from simple cosmetic updates to full gut renovations.
Key Benefits:
- Rehab funds held in escrow
- Inspection-based draw releases
- No payments during construction
Vacation Rental Operators
Short-term rental operators face unique financing challenges as traditional lenders often don't recognize Airbnb and VRBO income. Our hard money loans evaluate properties based on their investment potential, not conventional income documentation.
Key Benefits:
- Airbnb/VRBO income considered
- Portfolio loans for multiple properties
- Cash-out for property improvements
Equipment Financing
Businesses needing to acquire equipment for construction, manufacturing, or operations can leverage our hard money lending programs secured by real estate. This approach often provides better terms than traditional equipment financing.
Key Benefits:
- Lower rates than equipment-only loans
- Longer terms available
- Tax-deductible interest payments
Find Your Perfect Loan Program
Not sure which program is right for you? Contact us today and our team will help you find the best financing solution for your situation.