- Mon - Sat: 8.00 - 18.00
- 18 Banfield St, Chermside
- +61-MCPHERSON
Hard Money Loans
Hard Money Loans deliver rapid, short-term financing secured by real estate collateral. Ideal for fix-and-flip investors, bridge funding between purchase and refinance, or distressed asset acquisitions. Approval focuses on collateral value rather than borrower credit history.
Typical Terms
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Feature
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Details
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|---|---|
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Amount
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$50,000 – $50,000,000
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6 – 18 months
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Interest Rate
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8 % – 12 % flat or amortized
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Origination Fee
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|
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Maximum LTV
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Up to 70 % of ARV (After Repair Value)
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Funding Time
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5 - 10 business days
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Eligibility Criteria
- Collateral Value: Property must appraise to ARV supporting LTV
- Exit Strategy: Clear plan to refinance or sell within term
- Borrower Track Record: Prior flips or proof of relevant experience
- Property Location: Urban and suburban markets with strong demand
Required Documentation
- Recent appraisal or contractor-valued ARV statement
- Scope-of-work and renovation budget
- Proof of funds for down payment or renovation
- Title report and current survey
- Borrower’s investment resume or track record summary
We are Always Ready to Assist Our Clients
developing financial processes and procedures
process
How to Get Funded
Financial Services
We help financial institutions, from banking and insurance to wealth.
Government Services
We help financial institutions, from banking and insurance to wealth.
Financial Services
We help financial institutions, from banking and insurance to wealth.
Natural Resources
We help financial institutions, from banking and insurance to wealth.
FAQ's
How quickly can I close?
Business Loans: 24–72 hours; Real Estate Loans: 2–4 weeks; Hard Money: 5–10 business days.
Do you require personal guarantees?
Business Loans generally require a personal guarantee; Real Estate and Hard Money loans may be non-recourse on qualifying deals.
Can I pay off early without penalty?
Yes—prepayment is allowed on all products without penalties or exit fees.
What if I have less-than-perfect credit?
Hard Money Loans focus on collateral value, not credit score. Business and Real Estate Loans consider credit as one of multiple factors.
Is there an application fee?
No upfront application fees. We charge only the origination fee upon funding.
Can startups apply?
Business Loans require ≥ 1 year operating history; Real Estate and Hard Money loans can fund newly formed entities if collateral is strong.
What happens after I apply?
You’ll receive a dedicated loan specialist who guides you through document collection, underwriting questions, and closing logistics.
