Compare Hard Money Lenders
VERIFIED LENDING PARTNERS
COMPARE OUR TRUSTED
HARD MONEY LENDERS
We’ve partnered with 5 of the nation’s top hard money lenders. Compare rates, programs, and terms to find the right fit for your next deal.
RCN
RCN CAPITAL
Nationwide Private Direct Lender · Est. 2010
ÂŒ¦ VERIFIED PARTNER
RCN Capital is a nationwide direct private lender providing short-term fix & flip financing, long-term DSCR rental loans, and ground-up construction loans for real estate investors. With in-house underwriting and approvals, RCN can close in as few as 10 business days. Available in 44+ states.
FIX & FLIP RATE
From 9.24%
12–18 mo term
DSCR RENTAL RATE
From 6.99%
30-yr fixed available
MAX LTV
Up to 90%
of purchase price
LOAN AMOUNT
$50K–$2.5M
up to $2.5M multifamily
MIN FICO
650+
660 for DSCR
CLOSE TIME
10 Days
avg with full docs
Fix & Flip (12–18 mo) Bridge Loans Buy-to-Rent (24 mo) Long-Term DSCR (30 yr) Ground-Up Construction Multifamily 5+ Units 100% Rehab Cost Covered No Prepay on Fix & Flip
States
44+ (excl. AK, ND, SD, VT, NV)
Points
1.0%–8.0%
Experience Req.
Prior RE experience preferred
Owner Occupied
No
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ABL
ABL FUNDING
Asset Based Lending · Est. 2010 · 9,000+ Projects Funded
ÂŒ¦ VERIFIED PARTNER
Asset Based Lending (ABL) is a direct hard money lender with over 15 years in operation and $2B+ in funded loans. Known for fast closings (as few as 2 days), zero points options, and no prepayment penalties. Pre-approval within 24 hours. Lends in 40+ states.
FIX & FLIP RATE
From 9.5%
8%–11% range
DSCR RENTAL RATE
From 6.5%
long-term rental
MAX LTV/LTC
Up to 90%
purchase + 100% rehab
LOAN AMOUNT
$75K–$5M
construction up to $50M
MIN FICO
660+
620 for rentals
CLOSE TIME
2–10 Days
avg 10 days
Fix & Flip Loans New Construction DSCR Rental Loans Cash-Out Refinance Multifamily & Mixed-Use Zero Points Option No Prepayment Penalty 100% Rehab Reimbursement
States
40+ states incl. AL, AZ, CA, FL, NY, TX
Points
0%–2% (zero points option available)
Experience Req.
All levels welcome
Owner Occupied
No
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L1
LIMA ONE CAPITAL
Backed by MFA Financial · Est. 2013 · $7B+ Originated
ÂŒ¦ VERIFIED PARTNER
Lima One Capital is one of the nation’s premier private lenders, backed by publicly traded MFA Financial. They offer the most comprehensive suite of loan programs in the industry with dedicated analyst support, in-house servicing, and fast closings typically in 7–10 business days. Available in 46 states + DC.
FIX & FLIP RATE
From 7.99%
13–24 mo term
DSCR RENTAL RATE
Low 7%s
720+ FICO / 1.2+ DSCR
MAX LTC
Up to 92.5%
75% LTV cap
LOAN AMOUNT
$75K–$5M
multifamily up to $5M
MIN FICO
600+
experience-based pricing
CLOSE TIME
7–10 Days
with complete file
Fix & Flip (13–24 mo) Bridge Loans Ground-Up Construction DSCR Rental (30 yr) Multifamily 5+ Units Rental Portfolio Loans Dedicated Analyst Assigned In-House Construction Mgmt
States
46 states + DC
Points
0%–2%
Experience Req.
All levels; better rates for experienced
Owner Occupied
No
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SC
STORMFIELD CAPITAL
Institutional Bridge Lending · $2B+ Deployed
ÂŒ¦ VERIFIED PARTNER
Stormfield Capital is a direct balance-sheet lender backed by institutional capital. All credit decisions, underwriting, and servicing are handled in-house — no third-party handoffs. Known for speed (5–10 business days), up to 92.5% LTC, and instant pre-qualification with proof of funds letters.
FIX & FLIP RATE
From 8.99%
8.99%–11.99% range
BRIDGE LOAN RATE
From 8.99%
12–36 mo term
MAX LTC
Up to 92.5%
75% LTV cap
LOAN AMOUNT
$150K–$5M
residential & multifamily
MIN FICO
640+
asset-focused underwriting
CLOSE TIME
5–10 Days
instant pre-qual available
Fix & Flip Loans Bridge Loans Ground-Up Construction Multifamily Value-Add LLC/Corp Borrowers Only Instant Pre-Qual + POF Letter No Prepayment Penalty In-House Draw Processing
States
CT, NY, NJ, MA, PA, FL + more
Points
1%–3%
Experience Req.
Experienced investors preferred
Owner Occupied
No — LLC/Corp only
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FF
FLIP FUNDING
Hard Money Marketplace · All Experience Levels Welcome
ÂŒ¦ VERIFIED PARTNER
Flip Funding connects real estate investors with a wide range of hard money loan products. No experience requirements — ideal for first-time investors and foreign nationals. Low-doc and no-doc options available. Brokers earn up to 3% commission per closed loan. Same-day follow-up after application.
FIX & FLIP RATE
Competitive
matched to your profile
LOAN PROGRAMS
Multiple
wide product array
MAX LTV
Up to 90%
property dependent
LOAN AMOUNT
Flexible
varies by program
MIN FICO
Flexible
no strict minimum
RESPONSE TIME
Same Day
follow-up after app
Fix & Flip Loans Bridge Loans Rental Loans New Construction No Experience Required Foreign Nationals Welcome No-Doc / Low-Doc Options Broker Commissions Up to 3%
States
Nationwide
Experience
None required
Foreign Nationals
Yes
Owner Occupied
No
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QUICK COMPARISON
LENDER
FIX & FLIP RATE
DSCR RATE
MAX LTV/LTC
LOAN RANGE
MIN FICO
CLOSE TIME
STATES
RCN CAPITAL
From 9.24%
From 6.99%
90% LTV
$50K–$2.5M
650
10 days
44+
ABL FUNDING
From 9.5%
From 6.5%
90% LTC
$75K–$5M
660
2–10 days
40+
LIMA ONE CAPITAL
From 7.99%
Low 7%s
92.5% LTC
$75K–$5M
600
7–10 days
46 + DC
STORMFIELD CAPITAL
From 8.99%
N/A
92.5% LTC
$150K–$5M
640
5–10 days
Northeast + FL
FLIP FUNDING
Varies
Varies
Up to 90%
Flexible
Flexible
Same day
Nationwide