- Lenders
Hard Money Lenders Directory
Compare 75 lenders for fix-and-flip, bridge, ground-up construction and DSCR rental loans. Filter by state, loan size, leverage, credit score and speed to close. Then send your deal once and get competing term sheets.
HardMoneyRate is a free cost-saving tool for borrowers and a lead source for lenders. We don't lend, broker, or originate loans.
Typical advertised terms
Medians of advertised ranges · checked 2026-11-03Terms as advertised on each lender's website, last checked November 3, 2026. Not an offer; actual terms depend on your deal. Confirm directly with the lender.
Compare 75 lenders
| Lender | Rate* | Points* | Max LTC* | Min credit* | Loan size* | Loan types | |
|---|---|---|---|---|---|---|---|
| ARV Finance La Jolla, CA | — | — | — | — | — | Fix & flip | Get competing term sheets |
| Anchor Loans Thousand Oaks, CA | — | — | 85% | 620 | $75K–$200M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Archmont Capital Lending 2 states | — | — | — | — | — | Fix & flip, Bridge | Get competing term sheets |
| Armitage Street Chicago, IL | — | — | 85% | — | — | Fix & flip, Bridge, Construction | Get competing term sheets |
| Blue-inc. Capital | — | — | — | — | — | Fix & flip, Construction | Get competing term sheets |
| Boomerang Capital Partners Mesa, AZ | — | — | — | — | — | Fix & flip | Get competing term sheets |
| BridgeWell Capital | — | — | — | 700 | $150K–$2M | Fix & flip, DSCR | Get competing term sheets |
| Builders Capital Puyallup, WA | — | — | 95% | — | — | Construction, Bridge | Get competing term sheets |
| CIVIC Financial Services Redondo Beach, CA | 6.56% | — | 90% | 660 | $50K–$10M | Fix & flip, Bridge, DSCR | Get competing term sheets |
| Capital Fund 1 Scottsdale, AZ | 8.99–9.75% | — | 95% | 620 | $100K–$3M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Capital Funding Financial Boca Raton, FL | 6.5% | 1.5–3.5 | 90% | 660 | $250K–$100M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Cardinal Capital Group Boston, MA | 7% | — | 90% | — | $200K–$20M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Casa Lending Cleveland, OH | — | — | — | 600 | $50K–$10M | Fix & flip, Construction, DSCR | Get competing term sheets |
| Certain Lending Seattle, WA | — | — | 97.5% | 660 | $75K–$3M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Clear Sky Financial Burke, VA | — | — | — | — | — | Fix & flip | Get competing term sheets |
| Constitution Lending | — | — | — | — | — | Get competing term sheets | |
| Conventus San Francisco, CA | 6% | — | — | — | $75K–$15M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| CoreLend Financial Memphis, TN | — | 1–5 | — | — | from $75K | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| CoreVest Finance Irvine, CA | — | — | 100% | — | from $75K | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Crebrid Plano, TX | 5.75% | 1–2.5 | 90% | 640 | $75K–$5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Crossroads Investment Lending Overland Park, KS | 13.9% | 3.9 | — | — | $50K–$2M | Fix & flip, Bridge, DSCR | Get competing term sheets |
| Crowdcopia Philadelphia, PA | — | — | — | — | — | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Dunmor Los Angeles, CA | — | — | 93% | 650 | $100K–$5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Easy Street Capital Austin, TX | 5.75% | — | 93% | 600 | $75K–$5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Fairview Commercial Lending 3 states | — | — | — | — | $150K–$2M | Bridge, DSCR | Get competing term sheets |
| First Bridge Lending CRE Petaluma, CA | 9.99% | — | — | — | $100K–$10M | Fix & flip, Bridge | Get competing term sheets |
| FlipCo Financial Houston, TX | — | — | — | — | — | Get competing term sheets | |
| Gelt Financial Boca Raton, FL | 12% | — | 100% | — | $50K–$2M | Fix & flip, Bridge | Get competing term sheets |
| Genesis Capital All 50 states + DC | — | — | — | — | — | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Global Funding Group | — | — | — | — | $50K–$800K | Fix & flip, Construction | Get competing term sheets |
| Groundfloor Lending Atlanta, GA | 9% | — | 93% | 640 | $75K–$3.5M | Fix & flip, Construction, DSCR | Get competing term sheets |
| HD Lending Phoenix, AZ | — | — | 85% | — | $10K–$1M | Fix & flip, Bridge, Construction | Get competing term sheets |
| Hard Money Bankers 7 states | — | — | — | — | $75K–$5M | Fix & flip, Bridge | Get competing term sheets |
| Hopkins Financial Services Meridian, ID | — | 2.5 | — | — | $40K–$1M | Fix & flip, Bridge, Construction | Get competing term sheets |
| Intrust Funding Bellevue, WA | 12% | 2 | — | — | — | Fix & flip, Construction | Get competing term sheets |
| Iron Bridge Lending Portland, OR | — | — | — | — | — | Fix & flip | Get competing term sheets |
| KC Investor Funding Kansas City, MO | — | — | — | 620 | — | Fix & flip, Bridge | Get competing term sheets |
| KECO Capital, LLC Honolulu, HI | 7.99% | — | 90% | — | — | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Kentucky Private Lending | — | — | — | — | — | Get competing term sheets | |
| Kiavi Pittsburgh, PA | 6.375% | — | 100% | — | $75K–$10M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Lantzman Lending San Diego, CA | 6–12% | — | 90% | 660 | $50K–$5M | Fix & flip, Bridge, DSCR | Get competing term sheets |
| LendingOne Boca Raton, FL | — | — | 100% | — | $85K–$40M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Lima One Capital Greenville, SC | 6.5% | — | 95% | 660 | $85K–$5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Lincoln Capital Portland, ME | — | — | — | — | — | Bridge | Get competing term sheets |
| Longhorn Investments Dallas, TX | 10.99% | 1.99 | 100% | 600 | — | Fix & flip, Construction | Get competing term sheets |
| MM Lending Louisville, KY | — | 1 | — | 680 | $100K–$1.5M | Fix & flip, Construction, DSCR | Get competing term sheets |
| Mayflower Venture Partners Quincy, MA | — | — | 90% | — | — | Fix & flip, Bridge | Get competing term sheets |
| Minnow Loan Columbia, MO | 10.5% | 2 | — | — | $30K–$2M | Fix & flip, Bridge | Get competing term sheets |
| MoFin Lending New York, NY | — | — | 90% | 660 | $3.5M–$20M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Mortgage Vintage All 50 states + DC | 9.99% | — | 75% | — | $100K–$3.5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| New Silver | 6.875% | 0–2 | 90% | — | $100K–$5M | Fix & flip, Construction, DSCR | Get competing term sheets |
| North Oak Investment Kansas City, MO | — | — | — | — | — | Fix & flip | Get competing term sheets |
| Northwest Private Lending Lake Oswego, OR | 12% | 3 | — | — | $50K–$2M | Fix & flip, Bridge | Get competing term sheets |
| Park Place Finance Austin, TX | 5.75% | 1–3 | 93% | 640 | $100K–$6M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Pimlico Capital Baltimore, MD | 6.25–9.95% | — | 90% | 660 | $75K–$3M | Fix & flip, Bridge, DSCR | Get competing term sheets |
| Pine Financial Group 1 states | — | — | — | — | — | Fix & flip, Bridge, DSCR | Get competing term sheets |
| Property Flip Loan Annapolis, MD | — | — | 85% | 600 | from $100K | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| RBI Private Lending Miami, FL | — | — | — | — | — | Get competing term sheets | |
| RCN Capital South Windsor, CT | 6% | — | 100% | 650 | $70K–$2M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| RD Advisors South Boston, MA | — | — | — | — | — | Fix & flip, Bridge, Construction | Get competing term sheets |
| Rain City Capital Kirkland, WA | — | — | 100% | — | $75K–$3.5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Rehab Financial Group Rosemont, PA | 9.99% | 1.5 | 100% | 640 | $100K–$1.3M | Fix & flip, Construction, DSCR | Get competing term sheets |
| Renovo Financial Chicago, IL | — | — | — | — | — | Get competing term sheets | |
| Residential Capital Partners | 6.625% | — | 100% | — | $50K–$3.5M | Fix & flip, DSCR | Get competing term sheets |
| Sachem Capital | — | — | — | — | — | Fix & flip, Bridge, Construction | Get competing term sheets |
| Socotra Capital Sacramento, CA | — | — | — | — | $100K–$20M | Fix & flip, Bridge | Get competing term sheets |
| Soviero Capital | — | — | — | — | — | Fix & flip | Get competing term sheets |
| Spring Garden Lending Philadelphia, PA | — | — | 85% | — | — | DSCR | Get competing term sheets |
| TaliMar Financial | — | — | — | — | $250K–$10M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Ternus Charlotte, NC | 9.5% | 0.5 | 90% | 620 | $50K–$1M | Fix & flip, Bridge, DSCR | Get competing term sheets |
| The Hard Money Co. Milwaukee, WI | — | — | — | 620 | from $25K | Fix & flip | Get competing term sheets |
| Upright Lending Cleveland, OH | 5.99% | — | 92.5% | 660 | $100K–$3.5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Visio Lending Austin, TX | — | — | — | 680 | from $75K | DSCR | Get competing term sheets |
| Windstone Private Lending Louisville, KY | — | — | 100% | — | — | Fix & flip, Bridge | Get competing term sheets |
| i Fund Cities Philadelphia, PA | — | — | — | — | — | Fix & flip, DSCR | Get competing term sheets |
* Terms as advertised on each lender's own website, last checked 2026-11-03. Not an offer; actual terms depend on your deal. Confirm directly with the lender. “—” means the website didn't say.
Don't call lenders one by one
Describe your real estate deal once. Lenders send real term sheets you can compare side by side. Free, about 60 seconds.
Frequently asked questions
What is a hard money lender?
A private company or individual that makes short-term loans secured mainly by the property's value rather than your income. They approve and fund faster than banks but cost more.
Where do these rates come from?
Each lender's own website. We record what they advertise and re-check every lender's site regularly; the date checked is shown on every page. They aren't offers. Your actual terms depend on your deal, credit and experience, so confirm directly with the lender.
How are lenders ordered?
Alphabetically by default, and you can re-sort by rate, leverage, minimum credit or speed. No lender can pay for a higher position.
What should I ask a hard money lender?
How interest is charged (monthly, upfront or at payoff), all fees including draw and extension fees, whether they check credit, how fast they can close, whether they're the direct lender or a broker, and what happens if the project runs long.
How can I compare real offers instead of advertised ranges?
Send your deal once through HardMoneyRate. Matched lenders send term sheets for your actual deal, and you compare them side by side before choosing who to talk to.
Browse by loan type
Browse by state
- Alabama (21)
- Alaska (13)
- Arizona (18)
- Arkansas (19)
- California (16)
- Colorado (21)
- Connecticut (20)
- Delaware (19)
- District of Columbia (10)
- Florida (22)
- Georgia (22)
- Hawaii (14)
- Idaho (18)
- Illinois (17)
- Indiana (22)
- Iowa (18)
- Kansas (20)
- Kentucky (21)
- Louisiana (16)
- Maine (19)
- Maryland (22)
- Massachusetts (20)
- Michigan (17)
- Minnesota (16)
- Mississippi (17)
- Missouri (20)
- Montana (18)
- Nebraska (18)
- Nevada (12)
- New Hampshire (20)
- New Jersey (19)
- New Mexico (18)
- New York (16)
- North Carolina (23)
- North Dakota (9)
- Ohio (22)
- Oklahoma (20)
- Oregon (17)
- Pennsylvania (20)
- Rhode Island (19)
- South Carolina (21)
- South Dakota (8)
- Tennessee (20)
- Texas (20)
- Utah (14)
- Vermont (13)
- Virginia (21)
- Washington (20)
- West Virginia (16)
- Wisconsin (19)
- Wyoming (17)
Cities with lender headquarters
How this directory works
HardMoneyRate does not rank lenders by who pays us. Lists are A–Z by default and you choose the sort. No lender can buy a higher position, a “featured” badge, or a better rating. Terms are what each lender advertises on its own website, checked regularly. They aren't offers and haven't been confirmed with the lender. Reviews can only come from borrowers who actually connected with that lender through HardMoneyRate. Lenders can request corrections or removal at any time.