- Lenders
- /Pennsylvania
- /Philadelphia
Hard Money Lenders Based in Philadelphia, PA
These 3 lenders list their headquarters in Philadelphia. Where a lender is based doesn't limit where it lends. For everyone who lends on Pennsylvania property, see all Pennsylvania lenders (20).
Typical advertised terms
Medians of advertised ranges · checked 2026-10-27Terms as advertised on each lender's website, last checked October 27, 2026. Not an offer; actual terms depend on your deal. Confirm directly with the lender.
Compare 3 lenders
| Lender | Rate* | Points* | Max LTC* | Min credit* | Loan size* | Loan types | |
|---|---|---|---|---|---|---|---|
| Crowdcopia Philadelphia, PA | — | — | — | — | — | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Spring Garden Lending Philadelphia, PA | — | — | 85% | — | — | DSCR | 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 2026-10-27. Not an offer; actual terms depend on your deal. Confirm directly with the lender. “—” means the website didn't say.
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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.
Related
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.