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KNB Capital · Loan Programs
Hard Money
Loans
Asset-based lending for investors who need to move fast. Close in days, not weeks — credit and income are secondary to the deal itself.
Get My Free Quote Start ApplicationThe Basics
What Is A Hard Money Loan?
A hard money loan is a short-term, asset-based loan primarily used by real estate investors. Unlike conventional mortgages that rely heavily on the borrower's income and credit, hard money lenders focus on the value of the property — both as-is and after repair (ARV). This makes them ideal for time-sensitive deals where speed and flexibility matter more than rate.
Hard money is the financing tool of fix-and-flip investors, developers, and anyone who needs to acquire or bridge a property quickly while longer-term financing is arranged.
Common Use Cases
When Hard Money Makes Sense
Fix & Flip
Purchase a distressed property, fund the renovation, and sell — all under one short-term loan. Lenders underwrite based on ARV, so the deal drives the financing.
Bridge Loans
Need to close on a new property before your existing one sells? A bridge loan provides short-term capital to move fast and refinance into permanent financing later.
Ground-Up Construction
Funding for new construction projects where traditional lenders won't move fast enough or the property doesn't yet have value to support conventional financing.
Time-Sensitive Deals
Foreclosure auctions, off-market deals, and competitive situations where a 30-day conventional close isn't an option. Hard money keeps you competitive.
Common Questions
What You Need To Know
What Are Typical Hard Money Terms?
Hard money loans are typically 6–24 months with interest rates ranging from 9–13%+ depending on the lender, LTV, and deal profile. Points (origination fees) of 1–3% are common. The higher cost reflects the speed and flexibility — not a penalty.
Do I Need Good Credit For A Hard Money Loan?
Credit matters less than the deal. Most hard money lenders have a minimum (often 600–620), but the primary focus is the property value, your equity in the deal, and your exit strategy. Experience as an investor also weighs in your favor.
What's The Exit Strategy?
The most common exits are: sell the property (fix & flip), or refinance into a long-term DSCR or conventional loan (buy & hold). We work with investors on both ends — the hard money acquisition and the permanent financing when you're ready to hold.
Speed Wins Deals.
We Move Fast.
Tell us about your deal. We'll tell you if we can make it work.