Speed for the right deal
Hard Money Loans for Real Estate Investors
Hard money loans are short-term financing built around the property and your plan for it. We help investors in many states find lenders who move quickly.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM
01 / Understand the loan
What to Know About Hard Money Loans
Need to close fast?
A hard money loan is usually a short-term loan used to buy or rehabilitate property. The lender focuses on the value of the property and your exit plan, such as selling or refinancing, more than on personal income.
Hard money is often used when speed matters, such as a competitive purchase or a property a bank will not finance yet. Costs can be higher than long-term loans, so the plan for repayment should be clear before you start.
02 / See how it fits
Who It Helps
- Investors buying a property that needs work
- Buyers who must close quickly
- Investors who plan to refinance into a longer loan
- Borrowers who do not fit standard bank guidelines
What to Have Ready
Requirements differ by lender and program. These items often come up:
- A completed loan application and credit authorization
- The purchase contract or details of the property
- Your plan for the property and how you will repay the loan
- Budget and scope of any repairs
- Proof of funds for the down payment and costs
03 / Wherever your deal is
Hard Money Loans in Many States
We work with investors by phone and video, so you can book a call from wherever your property is. We can broker business purpose loans in the states below. Programs, terms, and availability depend on the lender and the state.
- Alabama
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Hawaii
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Nebraska
- New Hampshire
- New Mexico
- New York
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- Texas
- Vermont
- Washington
- West Virginia
- Wisconsin
- Wyoming
Investing in Los Angeles? See Hard Money Loans in Los Angeles or see where we work.
04 / A little clarity
Common Questions
What is the difference between hard money and private money?
The terms overlap. Both usually mean non-bank lenders who focus on the property. Specific terms depend on the lender.
How long is a hard money loan?
They are generally short-term. The length depends on the lender and the plan for the property.
Can I refinance a hard money loan later?
Many investors do, once the property is repaired or rented. A new lender will review the property and your qualifications.
Do you lend this money yourselves?
No. We are a mortgage broker. We arrange loans funded by third-party lenders.
05 / Explore your options
Other Investor Loans
Know Who You’re Working With
The Funding Clinic is a mortgage broker. We arrange loans funded by third-party lenders. View our BBB business profile to learn more about our company. Read our Google reviews
Your next move starts here
Ready to talk about your deal?
Tell us about your deal. We will help you find the right loan.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM