Biography
Member since 18 Sep 2024
Time is a very crucial factor in any business, especially in field of real estate and this is were quick and easy access to capital can really mean the difference between a successful and an unsuccessful transaction. Hard money lenders have become valuable for real estate investors who require quick and easy funding for ventures such as fixer-upper homes, rental, or brand new building. Thus, these lenders offer asset-based loans with the property being the main collateral and not the credit score or the borrower’s background of the investor when the traditional sources of financing fail to meet the requirements.
Below, we will review the Top 10 Hard Money Loan Lenders in USA and learn about their specifics and benefits, which make them such a popular source of fast and efficient financing among real estate agents across the states. And these lenders can give you the necessary funds regardless of whether you are a new investor, or have been in the business for quite a while.
1. BridgeWell Capital
At the pinnacle of hard money lending is BridgeWell Capital, LLC, a company that has consistently demonstrated its commitment to real estate investors by providing fast, flexible, and reliable funding. BridgeWell Capital, LLC is not just another lender; it's a trusted partner for real estate investors across the nation. Headquartered in Orlando, Florida, BridgeWell Capital stands out for its exceptional customer service, streamlined loan process, and dedication to empowering investors to seize opportunities in a competitive market. Whether you’re funding a fix-and-flip project, expanding a rental portfolio, or venturing into new construction, BridgeWell Capital has the expertise and tailored solutions to meet your needs.
Why Choose BridgeWell Capital for Your Real Estate Investment Needs?
What truly sets BridgeWell Capital apart is its laser focus on speed and reliability. Investors can secure pre-approval in just a few minutes and receive funding in as little as 10 days. For real estate investors working in competitive markets, this swift turnaround can mean the difference between winning or losing a lucrative deal. Whether you're in Florida, New York, or searching for hard money loans Atlanta real estate investors trust, BridgeWell Capital delivers consistently across the country.
One of the most remarkable aspects of BridgeWell Capital, LLC is its transparency and dedication to customer satisfaction. They offer up to 90% financing on the purchase price and 100% on rehab costs, all while maintaining a client-first approach. No hidden fees, no surprises—just straightforward, honest lending that keeps you in control. Their team works closely with you, making sure every step of the loan process is clear and tailored to your investment goals. For anyone seeking to dominate the real estate market with ease and efficiency, BridgeWell Capital, LLC is the partner you need to propel your success.
2. Lima One Capital
Lima One Capital is a premier hard money lender with a national footprint. Headquartered in Greenville, South Carolina, Lima One Capital offers a variety of real estate investment loans, including fix-and-flip loans, rental loans, and even multifamily bridge loans. They are known for their flexibility and competitive rates, which make them an excellent choice for investors who want fast funding without sacrificing loan terms.
Lima One Capital’s pre-approval process is quick, often providing responses within a day, and their loan terms are designed to meet the needs of real estate investors across the spectrum. Whether you're flipping single-family homes or scaling a rental portfolio, Lima One Capital has options that cater to both short-term and long-term investors.
3. CoreVest
CoreVest is a leader in the rental property and bridge loan space, making it an ideal partner for investors who want to finance single-family rentals or entire rental portfolios. Based in Irvine, California, CoreVest has funded over $14 billion in loans, earning them a solid reputation in the industry.
CoreVest offers loans for everything from single-property deals to large portfolios, with LTV ratios up to 80%. Their long-term loan options, with terms up to 30 years, make them a great fit for investors looking for stability and reliable cash flow. With competitive rates and the ability to finance multiple properties under one loan, CoreVest is an excellent option for rental investors seeking scalability.
4. Anchor Loans
Anchor Loans is a well-established hard money lender with over two decades of experience providing fast and flexible financing to real estate investors across the U.S. Based in Calabasas, California, Anchor Loans specializes in short-term fix-and-flip financing, offering fast approvals and even faster funding.
One of the key advantages of Anchor Loans is their ability to approve loans within 24 hours and disburse funds shortly thereafter. Their LTV ratios are competitive, going up to 85%, and they provide financing for both residential and commercial properties. This makes Anchor Loans an attractive option for investors looking to grow their portfolios quickly.
5. Kiavi (formerly known as LendingHome)
Kiavi has grown into one of the largest hard money lenders in the nation, providing fast funding to real estate investors looking to flip properties or grow rental portfolios. Their advanced technology platform allows investors to receive approvals within minutes and funds in as little as 7 days. Their loan programs are designed to meet the specific needs of residential investors, offering competitive rates and flexible loan terms.
Kiavi stands out for its online interface, which simplifies the lending process. Investors can track the status of their loan in real-time, making the process smoother and more transparent.
6. Patch of Land
Patch of Land combines the power of technology with real estate investment financing, offering a unique platform that matches borrowers with investors. Based in Los Angeles, Patch of Land provides fix-and-flip loans and bridge loans with a focus on transparency and speed. Their online marketplace allows real estate investors to access funding in a streamlined manner, bypassing the usual delays associated with traditional lending.
Patch of Land offers competitive interest rates, flexible terms, and fast loan approval, with many loans being approved in just a few days. This tech-driven approach makes them a popular choice for investors looking for a modern lending solution.
7. Civic Financial Services
Civic Financial Services is a hard money lender that prides itself on its ability to provide quick funding for real estate investors across the U.S. Specializing in fix-and-flip, rental, and bridge loans, Civic Financial Services offers competitive rates and a fast approval process, often funding loans in under 10 days.
What sets Civic Financial Services apart is their dedication to customer service. Their team works closely with investors to ensure that each loan is tailored to meet the specific needs of the project, making them a top choice for both new and experienced investors.
8. RCN Capital
RCN Capital is a national hard money lender that specializes in both residential and commercial real estate investment loans. Based in South Windsor, Connecticut, RCN Capital offers a wide range of loan products, including fix-and-flip, rental, and bridge loans.
RCN Capital is known for its flexible terms and fast approval process, with loans being approved in as little as 10 days. They also offer competitive interest rates and provide financing for both single-family and multifamily properties, making them a versatile option for investors looking to grow their portfolios.
9. ABL (Asset Based Lending)
Asset Based Lending (ABL) has been providing hard money loans since 2010, offering fast, flexible financing solutions for real estate investors. Based in Jersey City, New Jersey, ABL offers fix-and-flip loans, new construction loans, and rental property loans.
ABL’s loan programs are designed with investors in mind, offering high LTV ratios, fast approvals, and flexible terms. Their commitment to customer service and quick funding has made them a trusted partner for real estate professionals throughout the Northeast and beyond.
10. Stratton Equities
Stratton Equities is one of New Jersey’s premier private hard money lenders that financial real estate investors across the United States. Offering fix-and-flip loans, rental property loans and new construction loans, Stratton equities offers fast approval and great financing options.
Stratton Equities takes a very active role in their loaning services and usually engages the investors in order to come up with loan packages that could meet the needs of the particular projects. Their commitment to providing fast, reliable funding has made them a popular choice for real estate professionals seeking a dependable partner.
Conclusion
Private assorted funding bring a lot of value to the real estate investment and, most importantly, operate at a much higher speed than traditional banks. Every single lender on this list has its benefits, ranging from the fast approval time, attractive interest rates, and favorable loan conditions, which makes these companies ideal for real estate investors throughout the United States.
Leading them is BridgeWell Capital which remains highly recommended for customer service, speed, and the level of transparency provided to clients. From novice investors who need some capital to get into the real estate market to seasoned investors searching for ways to expand their portfolios, these ten hard money lenders contain the funds to invest in profitable deals and expand your business with confidence.