Hard Money Loans

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Funding Up To $50,000,000 | Competitive Rates | Flexible Underwriting

What Is A Hard Money Loan?

A Hard Money Loan is a short-term financing solution that allows real estate investors to quickly obtain capital to develop, flip, or own properties. The loan is secured by the value of the real estate property and not by the borrower’s credit score.

This allows Hard Money Loans to be obtained rather quickly. If you have a poor credit score but want to invest in a new real estate property, a Hard Money Loan might be the right option for you. Since this type of funding isn’t based on credit score, they are typically not issued by traditional banks. This type of loan is only issued by private lenders such as Opportunity Business Loans.

Opportunity Business Loans has been rated one of the top Private Hard Money Lenders in the country. We help experienced and beginner real estate investors by providing short-term mortgage solutions which they can use to purchase fix and flips, rental properties, rehab, or refinance commercial properties.

How Does A Hard Money Loan Work?

A Hard Money Loan is an asset-based loan. This means that your credit score is not a major consideration in determining whether you qualify for a loan. Instead, Hard Money Lenders require you to use the real estate property as collateral.

Lenders use the price of the property to calculate the risk of the loan as well as the Loan to Value (LTV). The LTV is a common real estate term used by lenders to express the ratio of a loan to the value of property purchased.

Private lenders can fund the deal within a week or less depending on if the borrower meets all of the qualifications. Hard Money Loans are a great option for short-term flips and rehabs or first-time purchases. Real estate developers and investors also commonly used this financing solution to close time-sensitive deals.


  • Loan Amount: $100,000 – $50,000,000
  • Loan-to-Value: Up to 80%
  • Rehab Costs: Up to 100%
  • Term Length: 1 – 30 Years
  • Amortization: Up to 30 Years
  • Interest Rate: 6% – 14%
  • Closing Time: 2 – 4 Weeks


  • Foreign nationals qualify
  • Low credit and tax issues not a problem
  • Competitive rates
  • Fast and simple process
  • Flexible underwriting
  • Purchase or Cash-Out refinances
  • No upfront fees



To qualify, you should have 20% – 30% down payment in the case of a purchase. The higher the down payment, the more likely you will be approved.

We will look at your credit score and cash reserves but these are not critical approval factors. Instead, we focus more on the value of the property.

Most traditional banks won’t lend to new Real Estate Investors because the lack of experience leads to riskier investments. Opportunity Business Loans won’t leave you to figure it out on your own. We lend to all investors, new or experienced.

We have a team of financial advisors who have years of experience in Real Estate Investing. This team will help finance your investment and give market insights to help you make the biggest returns.

real estate investing

What Are Hard Money Loans Used For?

Flipping A House: Real estate investors will purchase a low-cost property, make valuable repairs and renovations, then flip the home for profit. These investors will use Hard Money Loans to initially purchase the property or cover renovation costs.

Purchasing An Investment Property: Individuals who want to invest in a rental property or a multi-unit property but don’t qualify for traditional financing, might look for a Hard Money Loan to pay for their investment. This option is useful for those who have a poor credit score.

Purchasing Commercial Property: A business owners might use a Hard Money Loan to purchase commercial real estate. This option is useful for entrepreneurs who want to purchase a unique property that doesn’t qualify for financing through a traditional lender.

Call (855) 211-6522 Today!

What Is A Hard Money Lender?

A Hard Money Lender provides loans secured by real estate that traditional banks wouldn’t make. These loans are typically much quicker than loans at traditional banks, require less documentation, and are easier to qualify for. 

Sometimes called “Asset-based lenders,” Hard Money Lenders focus on the collateral for the loan, whereas a bank focuses on both strong collateral and excellent credit and cash flow from the borrower. 

Opportunity Business Loans offers both options to give you added flexibility. When you apply for a loan, we will assess your situation and offer the best financing option that fits your individual needs.

For instance, if you have collateral but a poor financial history because you are a beginning investor, we will take the “Hard Money Lender Approach.” If you don’t want your property used as collateral and instead of a great financial history, we will use your credit score and cash flow as determining approval factors. 


When Do Investors Use Hard Money Lending?

Sometimes, even experienced investors with strong financial statements and access to bank credit will choose to use Hard Money Loans. Borrowers typically choose this financing option when they:

  • Require a quick closing and banks can’t meet the deadline
  • Lack the time to deal with the process of securing a loan through a traditional bank
  • Have an excellent investment opportunity, but not sufficient financial strength to secure a traditional loan
  • Has a Line of Credit but needs more capital than what is allowed under the existing bank line

Real Estate Investors usually use Hard Money Loans when there is an opportunity to generate substantial profits quickly but they need to act quickly to secure the property. 

Hard Money Frequently Asked Questions

How do I apply for a Hard Money Loan?
Fill out our online application form or give us a call at (855) 211-6522. Our financial advisors will work with you to secure the funding you need through a loan that makes the most sense for your individual wants and needs.
How do you determine rates?
Each borrower and investment property is different. Your case will be evaluated based on the property type, cash flow of the property, your credit history, and more. Receive a FREE quote by filling out our online application form today.
Do you fund clients with tax liens?
Yes, our team is experienced with tax liens and have closed multiple transactions with tax issues. We can lend to clients, even if they have tax liens. Give us a call today to see how we can help!
How do you value a property?
To determine the value of your property, we assess the general market value based on a variety of factors, including: comparable sales, property condition, renovation costs, location, property type, and more.
Are there upfront fees?
We want you to be as comfortable with your loan and your new investment property as possible. To achieve this goal, we never charge upfront or hidden fees. All we need to get started is a completed application form.
How do you calculate LTV?
Opportunity Business Loans lends up to a maximum Loan-To-Value Ratio of 80% for purchases and 100% for rehab costs. If the subject property is worth $1 million, your loan amount will be $800,000.
What areas do you serve?
Opportunity Business Loans offers Real Estate Financing options to all 50 states as well as Puerto Rico and Canada. If you are interested in a Hard Money Loan for your investment property, contact us today.
What paperwork is required for purchases?
A completed online loan application, 4 months of business and/or personal bank statements, copy of credit report, copy of purchase agreement, copy of appraisal, scope of work or budget schedule, and rent roll (if you have multiple income-producing units)
What paperwork is required for refinances?
A completed online loan application, 4 months of business and/or personal bank statements, copy of credit report, copy of recent mortgage statement, copy of appraisal, and rent roll (if you have multiple income-producing units)
What are other financing options?
Other Real Estate Financing options included in our Commercial Mortgage Program include: Commercial Real Estate Loans, Foreign National Loans, Mortgage Loans, Bridge Loans, Investment Property Loans.

Eligible Properties

Opportunity Business Loans provides competitive non-banking options for Commercial Real Estate and Residential Real Estate investors. No matter what type of property you are investing in, we are here to help. Give us a call today or fill out our online application form to finance your next property today!

Single Family
Mixed Use
Apartment Buildings
Hotels & Motels

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