Fast Asset-Based Funding For Real Estate Deals
Hard money loans are short-term, asset-based loans commonly used by real estate investors when speed, flexibility, and property value matter most.
Hard money loans focus on the deal and the property.
Instead of qualifying mainly through income or traditional credit, hard money approval is primarily based on the value of the property being purchased, refinanced, or improved.
Built for Speed and Flexibility
Hard money loans are often funded by private lenders or private investment groups, giving investors a faster and more flexible path for non-traditional projects.
Move quickly when the opportunity is time-sensitive.
Hard money financing can help investors compete, close, repair, refinance, or exit when conventional financing is too slow or too restrictive.
Fast Approval and Funding
Private lending review can move quickly when the property, equity, and exit strategy are clear.
Flexible Qualification
Programs may allow more flexibility for income, documentation, property condition, and creative deal structures.
Rehab and Flip Friendly
Use short-term capital for repairs, renovations, value-add projects, and resale-focused investment plans.
Common hard money loan uses.
Fund acquisition and repairs for properties that need improvements before resale.
Use short-term capital to close quickly, bridge timing gaps, or secure a property before long-term financing.
Finance land, major repairs, short-term rentals, or properties that may not qualify conventionally.
A practical hard money review process.
Review the Property
Look at purchase price, current value, condition, repairs, and after-repair value when applicable.
Map the Timeline
Confirm how quickly funding is needed and how long the project or bridge period may last.
Confirm the Exit
Review resale, refinance, rental, or payoff strategy so the loan has a clear path out.
Structure the Loan
Compare leverage, reserves, rehab needs, rates, fees, and terms before moving forward.
Review hard money options for your next deal.
Talk with American Prime Rate and compare property value, speed, leverage, project scope, and exit strategy before you move forward.
Contact Loan Officer