Short-term, asset-based capital priced for speed. The right instrument when the timeline is the binding constraint — and the wrong one when it is not. We will tell you which situation you are in.
A bridge between two closings. An auction with a hard deadline. A rehab no conventional lender will touch until it is finished. In each case you are buying time, and time is what this costs money for.
If you simply want a lower payment, this is not it. Hard money is expensive by design because it is fast and secured by an asset rather than a borrower. Using it as a substitute for a conventional loan is how people get hurt.
Before we write it we want to know how it ends — sold, or refinanced into something long-term. A hard money loan without a credible exit is not a loan, it is a countdown.