Hard Money Bridge Loans

Use private real estate loans to grow your investment portfolio. Fix and flip loans in all 50 states with quick closings.

  • LTVs up to 80% of the Purchase Price
  • Up to 100% of Rehab Funds
  • Terms: 1-2 Years | Rates: 7%-14%
  • Min. Property Values of $150K Required.

Residential Investment and Commercial Properties only. For vacant land, max LTVs up to 50%. Also, we do NOT lend on primary residences.                      


Understanding Hard Money Lenders

To begin, let's break down the basics. A hard money lender is a type of financial institution or individual investor that provides short-term loans, typically with a higher interest rate and different approval criteria than traditional banks. These loans are secured by real estate assets, making them a popular choice for real estate investors and businesses in need of quick financing solutions.

The Key Differences Between Hard Money and Traditional Loans

Interest Rates

One of the most significant distinctions between hard money loans and traditional bank loans is the interest rate. Hard money loans often come with higher interest rates, reflecting the increased risk for the lender. Traditional loans offered by banks typically have lower interest rates but may involve a lengthy approval process.

Approval Process

Traditional bank loans require extensive documentation, credit checks, and a lengthy approval process. In contrast, hard money lenders focus primarily on the value of the collateral property, making approvals faster and more straightforward.

Loan Term

Hard money loans are usually short-term, ranging from a few months to a few years. Traditional loans often have longer terms, stretching over several years or even decades.

The Types of Properties Suitable for Hard Money Loans

Hard money loans are commonly used for various property types, including:

  • Fix and Flip Properties: Real estate investors looking to purchase, renovate, and sell properties quickly often turn to hard money loans.
  • Rental Properties: Investors may use hard money loans to acquire rental properties while preparing for long-term financing.
  • Commercial Properties: Business owners seeking to purchase or refurbish commercial real estate may benefit from hard money lending.

The Hard Money Lending Process

Now, let's take a closer look at how the hard money lending process works:

1. Application: Start by applying for a hard money loan through a reputable lender like Merchant Capital Solutions. Provide information about the property, its value, your experience, and your financing needs.

2. Property Valuation: The lender will assess the property's value to determine the loan amount they can offer. This assessment is a critical factor in hard money lending.

3. Loan Approval: Once your application and property valuation are reviewed, the lender will approve the loan if they believe it's a viable opportunity. Approval is typically faster than traditional loans.

4. Funding: After approval, you'll receive the funds you need for your project quickly, often within days.

5. Repayment: Hard money loans usually come with short terms, so you'll need to repay the loan promptly. This often means selling the property, refinancing with a traditional lender, or using other funds.

When to Consider a Hard Money Loan

Hard money loans are an excellent choice in various scenarios, including:

  • Time-Sensitive Deals: If you need financing quickly to secure a lucrative real estate opportunity, hard money loans can provide the funds you need without the delays associated with traditional loans.
  • Poor Credit History: If your credit history isn't ideal, traditional lenders may deny your loan application. Hard money lenders focus on collateral, making them a viable option even with poor credit.
  • Property Rehabilitation: Investors looking to renovate distressed properties for resale often turn to hard money loans for their flexibility and quick approval.

Choosing the Right Hard Money Lender

Selecting the right hard money lender is crucial for a successful borrowing experience. Here are some tips for making the right choice:

  • Research Lenders: Take the time to research different hard money lenders, their reputation, and their track record. Read reviews and ask for referrals.
  • Loan Terms: Understand the terms of the loan, including interest rates, fees, and repayment schedules. Ensure they align with your financial goals.
  • Experience: Choose a lender with experience in your specific type of project or property. They'll be better equipped to understand your needs.
  • Transparency: A reputable hard money lender should be transparent about all aspects of the loan, including potential risks.


In summary, hard money lenders, such as Merchant Capital Solutions, offer an alternative financing option for businesses and real estate investors. With their focus on collateral and quick approval processes, hard money loans can be a valuable resource for those seeking fast access to funds. Whether you're looking to flip a property, invest in rental real estate, or fund a time-sensitive project, hard money lending may be the solution you need.

If you're interested in exploring hard money lending further, don't hesitate to reach out to Merchant Capital Solutions. You can contact us at 866-919-3977 or via email at [email protected]. Our team of experts is ready to assist you in finding the financing solution that suits your unique needs.

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