Fast, Flexible Funding for Real Estate Investors
Real estate moves fast. Traditional bank loans take 30 to 60 days to close and come loaded with income verification requirements, debt-to-income checks, and rigid approval criteria. Hard money loans work differently — and that difference can be the reason you close the deal instead of losing it.
At Funding Bridge Solutions, we connect real estate investors like you with verified hard money lenders across the country. We are not a lender — we are a free matching platform that does the legwork so you don’t have to.
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What Is a Hard Money Loan?
A hard money loan is a short-term, asset-based loan secured by real property. Unlike conventional mortgages, hard money lenders evaluate the value and potential of the property — not your credit score or tax returns. This makes them ideal for investors who need to move quickly on deals that don’t fit traditional lending criteria.
Hard money loans are commonly used for:
- Buying distressed or undervalued properties at auction
- Funding renovation and rehab projects
- Bridging the gap while waiting for long-term financing
- Purchasing properties that don’t qualify for conventional loans
- Short-term acquisition before a refinance or resale
Typical Hard Money Loan Terms
Loan terms vary by lender, property, deal type, and borrower profile. The following ranges reflect what lenders in our network commonly offer:
Loan Amounts | $50,000 – $5,000,000+ |
Loan-to-Value | Up to 65–75% of property value |
Interest Rate | 8% – 15% (varies by lender and deal) |
Origination Fee | 1 – 4 points (1 point = 1% of loan) |
Loan Term | 6 – 24 months |
Close Time | 7 – 14 business days |
Credit Score | 550+ (many lenders focus on asset value over credit) |
Property Types | SFR, multi-family, commercial, land, mixed-use |
Disclaimer: These are approximate ranges for informational purposes only. Actual terms are set exclusively by the individual lender. Funding Bridge Solutions is not a lender and does not guarantee any specific loan terms.
How We Connect You With Hard Money Lenders
Our process is simple and completely free for borrowers:
- Submit your deal details using our 2-minute online form
- We review your request and match you with hard money lenders that fit your property type, state, and loan size
- Lenders contact you with their terms — typically within 24 to 48 business hours
- You compare offers, choose the best fit, and close fast
We earn a referral fee from lenders when a match results in a funded loan. You are never charged for our service.
Who Qualifies for a Hard Money Loan?
Hard money loans are more accessible than conventional financing because lenders focus primarily on the property, not the borrower’s financial profile. You may qualify even if:
- Your credit score is below 620
- You are self-employed or have irregular income
- You have had a recent foreclosure, short sale, or bankruptcy
- You cannot document income through traditional W-2s or tax returns
- You need to close in days, not months
Requirements vary by lender. The property value, equity position, and your exit strategy (how you plan to repay the loan) are the most important factors most hard money lenders consider.
Hard Money Loans vs. Conventional Loans
Factor | Hard Money Loans vs. Conventional Loans |
Approval Basis | Property value and equity vs. personal income and credit |
Close Time | 7–14 days vs. 30–60+ days |
Term Length | 6–24 months vs. 15–30 years |
Interest Rates | Higher (8–15%) vs. Lower (5–8%) |
Best For | Fix-and-flip, bridge loans, distressed properties vs. long-term owner-occupied |
Broker Fees | None through Funding Bridge Solutions vs. varies |
Hard Money Loan FAQs
Are you a hard money lender?
No. Funding Bridge Solutions is not a lender. We are a free loan matching platform that connects real estate investors with verified hard money lenders in our network.
How fast can I get funded?
Hard money lenders in our network typically close in 7 to 14 business days. Some deals close in as few as 5 days when all documentation is ready.
Do I need good credit to get a hard money loan?
Not necessarily. Many hard money lenders work with credit scores as low as 550, and some focus entirely on the property value rather than personal credit. Requirements vary by lender.
What is the maximum LTV for a hard money loan?
Most lenders in our network offer up to 65–75% of the property’s current value (or 65–70% of ARV for rehab projects). Some lenders may offer higher LTVs depending on the deal.
How much does it cost to use Funding Bridge Solutions?
Nothing. Our service is completely free for borrowers. We earn a referral fee from lenders — you pay zero to get matched.