Hard money loans are asset-based investor loans used when a property deal needs speed, renovation funding, or a short-term bridge before resale or refinance. Capital Partner Loans helps investors package the file and reach the right lending partner.
Use case
Buy + rehab
Credit floor
600+ bridge
Minimum loan
$75K+
Exit
Sale or refi
A hard money loan is short-term, property-secured financing for real estate investors. The lender focuses heavily on the asset, project plan, borrower profile, and exit strategy.
Investors use hard money for fix-and-flip projects, BRRRR acquisitions, distressed property purchases, and time-sensitive deals where conventional financing is too slow.
Hard money can move faster and handle renovation-heavy properties, but it usually costs more than long-term mortgage debt and needs a clear exit plan.
The best hard money files have a defined business plan. You buy below value, improve the property, then sell or refinance. The loan solves the timing problem so the investor can execute the deal.
Lenders move faster when the numbers are clear. A purchase contract, rehab scope, comparable sales, borrower entity, liquidity proof, and exit plan can make the difference between a slow review and a fast term sheet.
Best for: Short-term flips, distressed assets, and speed.
Watch: Higher rate and shorter term.
Best for: Rental properties that are already stabilized or lease-ready.
Watch: Not designed for heavy rehab before stabilization.
Best for: Clean owner or investor files with time to wait.
Watch: Slow timelines and more income documentation.
Capital Partner Loans sees bridge programs that may start around 600 credit, depending on the lender, collateral, liquidity, and project details.
Some bridge programs can close without a traditional appraisal, but the lender still evaluates property value, scope, and exit using its own underwriting process.
Yes, many fix-and-flip programs include renovation funding through draws tied to project milestones and inspections.
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