The Hard Money Bridge Loan Program

HOW DOES THE HARD MONEY LOAN PROGRAM WORK?

What is a hard money loan?

A “hard money” loan is a short-term bridge loan used to acquire or refinance a property when conventional financing is not available or will simply take too long to close when you’re in need of a quick turnaround. A hard money loan is a great fit in the following situations:

  • When you need to close fast (in less than 2 weeks).
  • When the property is not generating any income (not leased).
  • When the property needs renovations.
  • When you don’t have strong credit score (below 620)
  • When you can’t provide verifiable income (no tax returns available).
  • When you’re a Foreign National Borrower

At Capital Funding, our hard money loans close very quickly… even in as little as 3 days! Unlike traditional loans, our hard money loans require no personal income verification and very little documentation. As a private lender, Capital Funding can help you bridge these gaps faster than traditional lenders, and offer quick and easy access to capital when you need it. In today’s fast-paced real estate market, we help you keep up to speed with an accelerated approval process.

APPLY FOR A HARD MONEY LOAN

Secure a hard money loan quickly for your real estate purchase with Capital Funding, the fastest hard money lender. Get approved now and let us fuel your real estate investment dreams with speed and ease.

Investment Criteria

Loan Size$200,000 – $25 Million
Term12 – 24 month options
Time to Close3 – 14 Days from Deposit
Asset ClassesSingle Family, Multifamily, Mixed-Use
LTVUp to 65%
Lien PositionSenior secured first mortgage or deed of trust
Interest Rate10.99% – 12.99%
Origination Fees2.00% – 3.00% (adjusted to loan size, timing, and complexity)
AmortizationInterest Only
CapEx/TI HoldbacksHoldbacks for light renovations available
PPP / Yield MaintenanceNo Prepayment Penalty Available
Minimum Credit ScoreNone
Minimum Net Worth & LiquidityNone
No Tax Returns Needed

MAXIMIZE YOUR CAPITAL WITH A HARD MONEY LOAN

Capital Funding’s Hard Money Loan Program is designed for real estate investors who need fast reliable funding. It is our fastest and most reliable program for investors who face time constraints, needing a quick closing with minimum documentation.

We can deliver a hard money bridge loan with a turnaround time just a few days, at a speed that conventional bank financing just can’t match. The hard money bridge loan program is sure to help you maximize your investment and close your real estate transaction before it slips away!

Eligible Properties for
Hard Money Loans

The following property types and real estate asset classes can be eligible for a hard money loan.

Multi Family

Multi-family is a classification of residential properties where multiple units (5+) for residential use are contained within one or more buildings within one community or complex. At Capital Funding, we will lend to real estate investors looking to purchase or refinance multi-family properties with loan amounts of $250,000+.

Mixed Use

Mixed-use is a type of development that blends residential and commercial uses into one integrated complex or building. At Capital Funding, we will lend to real estate investors in the following scenarios: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out on mixed use projects with loan amounts from $250,000+.

Retail

Retail is any property used for commercial retail space such as a storefront for selling goods or services. Capital Funding will lend to real estate investors and business owners who are looking for a loan for: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out from $250,000+.

Office

Office is a rental property classification which generates income from tenants comprised of businesses and professionals. Capital Funding will lend to real estate investors and business owners who are looking for a loan for: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out from $250,000+.

Hospitality

Capital Funding will lend to experienced operators with a flag in the hotel and lodging sector. Loan size for this classification is typically $500,000+.

Other Eligible Properties

Self storage, senior housing, marinas, parking facilities, automotive.


Common uses include: Acquisition, refinance, cash-out, renovation / construction.

Required Documents

We recommend being prepared to provide the following documentation in order to process this type of loan as efficiently as possible.

Property Documents

Purchase Contract or Payoff & Current Mortgage Statement (if applicable)
Leases (if applicable)
Valuation
Title & Insurance Contacts

Personal Documents

Loan Application
Copy of Driver’s License & Passport
Personal Financial Statement
Schedule of Real Estate Owned
Bio/Resume
Last Two Months of all Bank Statements

Business Documents

Entity Documents – Articles of Organization + Bylaws/Operating Agreement

APPLY NOW

Get the fastest hard money lender on your side and let Capital Funding fund your dreams.

Close in as Little as 5 Days with
the Hard Money Loan Program!

Here's a real life case study of Capital Funding's Hard Money Loan Program.

Why Choose Capital Funding's
Hard Money Loan Program

  • I used them for our project that required a hard money loan to close on in 5 days. Scott did a great job. They were able to get it done in time and the terms were very fair. Great company with a great team. I will use them again for my next hard money loan.

    Corrine Grimes
  • We closed a hard money loan with Capital Funding Financial in Naples, FL. They were great work with by providing us a quick closing in 7 days and no drawn out underwriting process. I highly recommend using them.

    Narek Leushuis
  • I want to thank the Capital Financial LLC team for all of their hard work in closing our quick bridge loan in 5 days! I was provided a reasonable rate, great service, and a quick closing. 5 stars!

    Niki Yates

LET’S GET STARTED

Wondering which program best fits your investment? Speak to a loan officer to get tailored guidance on the best options for your property.
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5550 Glades Rd Ste #200,
Boca Raton, FL 33431