Compare the Best Hard Money Lenders of 2025
We’ve reviewed and compared the top hard money lenders across the US so fix-and-flip investors can find the best rates, terms, and closing speeds for their next deal. All lenders are verified, actively lending, and available in 30+ states.
| Lender | Rate From | Max LTV | Close Time | Min Credit | States | Apply |
|---|---|---|---|---|---|---|
| RCN Capital ⭐ Best Rate | 8.75% | 85% | 7 days | 620 | 45+ | View Deal → |
| Kiavi | 9.25% | 90% | 10 days | 640 | 32 | View Deal → |
| Lima One Capital | 9.75% | 75% | 14 days | 600 | 40+ | View Deal → |
| CoreVest Finance | 9.50% | 80% | 10 days | 620 | 47 | View Deal → |
| Groundfloor | 7.50% | 70% | 14 days | None | 30+ | View Deal → |
How We Rate Hard Money Lenders
- Interest Rate — the lower the better for your profit margins
- Loan-to-Value (LTV) — higher LTV means less cash out of pocket
- Closing Speed — faster closing wins you more competitive deals
- Borrower Requirements — credit score, experience, and documentation needed
- State Coverage — whether they lend in your target market
- Customer Reviews — real investor experiences from BiggerPockets and Google