Terms of Use
Effective date: October 27, 2026
These Terms of Use ("Terms") are an agreement between you and HardMoneyRate ("HardMoneyRate", "we", "us") about your use of the HardMoneyRate website and services. By using HardMoneyRate, submitting a deal, or signing up as a lender, you agree to these Terms and our Privacy Policy. If you don't agree, don't use HardMoneyRate.
1. What HardMoneyRate is (and isn't)
HardMoneyRate is a free cost-saving tool for borrowers and a lead source for lenders. We don't lend, broker, or originate loans.
- HardMoneyRate is an online marketplace and directory that helps real estate investors find and compare business-purpose loans: fix and flip, bridge, ground-up construction and DSCR (rental) loans.
- HardMoneyRate is not a lender, mortgage broker or loan originator. We do not make loans, make credit decisions, negotiate loans for you or guarantee that you will receive any offer or loan. Lenders make their own decisions.
- Term sheets are not loan commitments. A term sheet is a lender's preliminary, non-binding indication of terms. Final terms, approval and closing are solely between you and the lender and depend on its underwriting, appraisal and documents.
- Directory information may be out of date. Rates, terms and other lender details in our directory come from lenders' websites and other public sources, may be incomplete or out of date, and are not offers. Confirm everything directly with the lender.
- Business purpose only. HardMoneyRate is only for loans for business or investment purposes. It is not for consumer, personal, family or household loans, or for any property you or a family member live in or plan to live in (owner-occupied). Do not submit such requests.
- No financial advice. Calculations, comparisons, rankings and other content on HardMoneyRate are for information only and are not financial, investment, tax or legal advice. Consult your own advisors.
2. How we make money
HardMoneyRate is free for borrowers. Partner lenders pay HardMoneyRate a fee per lead. That fee does not change the rates or terms a lender offers you, and lenders agree not to pass it on to borrowers. Offers on your results page are ordered by the sort you choose (for example, total cost), not by whether or how much a lender pays us.
3. Borrowers
- You must be at least 18 and authorized to act for yourself or the business you represent.
- Information you submit must be accurate and yours to share. You are responsible for verifying any offer before relying on it.
- By submitting a deal you consent to HardMoneyRate sharing your deal with matched partner lenders, who may contact you about it, and to receiving service emails about it, as described in our Privacy Policy.
- Your results page is a private link; keep it private.
4. Lenders
If you join HardMoneyRate as a lender, these additional terms apply:
- Invite-only; approval at our discretion. Lender sign-up is by invitation. We may approve, reject, pause or remove any lender at any time, for any reason.
- 72-hour response. You agree to send a term sheet (or decline) within 72 hours of receiving a deal.
- No fee pass-through. HardMoneyRate's per-lead fee must not affect the rate, points, fees or other terms you offer, and must not be charged or passed on to the borrower.
- Pricing. Lead pricing and payment terms are as agreed separately in writing with HardMoneyRate.
- Compliance. You are solely responsible for holding all required licenses and complying with all applicable lending, licensing, fair lending, privacy, anti-spam and telemarketing laws, and for your loan terms and decisions.
- Use of borrower data. You may use borrower information only to evaluate, respond to and (if the borrower proceeds) fund that specific deal. You may not sell, share or reuse it for other purposes, and you must protect it with reasonable security.
- Accurate term sheets. Term sheets must reflect terms you are genuinely prepared to offer, subject to underwriting.
5. Lender directory listings
Our directory may list lenders who are not HardMoneyRate partners, using publicly available business information. If you are a listed lender and want to correct your listing or have it removed, email sunny.shakhawala@gmail.com from your company domain and we will review your request promptly.
6. Acceptable use
You agree not to: submit false, fraudulent or someone else's information; use HardMoneyRate for consumer or owner-occupied loans; scrape, copy or resell our content or data except as allowed by law; interfere with or try to break the security of the service; send spam or misuse contact information from HardMoneyRate; share private links to harm others; or use HardMoneyRate for anything unlawful.
7. Our content
HardMoneyRate and its content, design and software belong to us or our licensors. You may use them only to use the service as intended.
8. Disclaimers
HARDMONEYRATE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE FULLEST EXTENT ALLOWED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. We do not guarantee any lender's offer, conduct, licensing or performance, or that the service will be uninterrupted or error-free.
9. Limitation of liability
TO THE FULLEST EXTENT ALLOWED BY LAW, HARDMONEYRATE AND ITS OWNERS AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR LOST PROFITS, DEALS OR DATA, ARISING FROM YOUR USE OF HARDMONEYRATE OR ANY LOAN OR DEALINGS WITH A LENDER OR BORROWER. OUR TOTAL LIABILITY FOR ANY CLAIM IS LIMITED TO THE GREATER OF $100 OR THE AMOUNT YOU PAID HARDMONEYRATE IN THE 12 MONTHS BEFORE THE CLAIM. Some jurisdictions don't allow these limits, so they may not fully apply to you.
10. Indemnity
You agree to indemnify and hold HardMoneyRate harmless from claims arising from your violation of these Terms or the law, or, for lenders, from your loans, communications and handling of borrower data.
11. Termination
We may suspend or end your access at any time. Sections that by their nature should survive (including 4, 8, 9, 10 and 12) survive termination.
12. Governing law and disputes
These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law rules. Any dispute will be brought only in the state or federal courts located in New Jersey, and you and HardMoneyRate consent to their jurisdiction.
13. Changes
We may update these Terms. We will post the new version here with a new effective date. Continuing to use HardMoneyRate after changes take effect means you accept them; for material changes we will give reasonable notice.
14. General
These Terms (with the Privacy Policy and, for lenders, any separate written agreement with HardMoneyRate) are the entire agreement on this subject. If any part is unenforceable, the rest stays in effect. Our failure to enforce a term is not a waiver.