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Loan Programs | Hard Money Loans for Real Estate Investors

Hard Money Loans: Flexible Financing Solutions for Real Estate Investors

A hard money loan is a short-term loan commonly used for commercial or investment properties that don't come from traditional lenders but rather from people or private companies. Hard money loans are unique because the lender accepts the property or asset as collateral if the loan cannot be paid off.


Because hard money loans rely on collateral rather than credit or financial position, the timeframe at which a borrower can receive a loan is much quicker. Financing for this type of loan is based on the assets Loan To Value ratio, which is the loan divided by the property's value.


The standard hard money loan rate is 65-75% of that average. Compared to other types of loans, hard money loans include higher interest rates, are riskier, and have a shorter duration. Shorter duration references the rate at which the loan needs to be repaid since they are typically short-term loans that last 12-24 months.

Loan Terms for Hard Money Loans

Kings of Capital provides real estate investors with an alternative financing option through hard money loans, which offer faster closing times than traditional loans and have a short-term duration of 12-24 months. 


Hard money loans are secured by the value of the investment property rather than the borrower's credit score, allowing us to provide funding for borrowers who may not qualify for conventional financing due to past foreclosures or short sales. With hard money loans, even borrowers with tarnished credit can obtain funding based on the value of the investment property. 


This makes hard money loans an excellent option for beginner investors with limited credit history and experienced investors looking to scale their businesses. Kings of Capital funds hard money loans for single-family, multi-family, mixed-use, and commercial fix-and-flip investment properties. 


Apply now with your loan scenario to receive a prompt response from our loan officer team.


  • Blanket Loan Options Available

  • Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse

  • Rates Starting at 7.25%

  • $100K – $5M

  • Up to 75% LTV

  • Fixed rates/Adjustable

  • 9-24 Month Terms

  • Interest-Only Payments

  • Purchase, Refinance, or Cash Out

  • Foreign Nationals Eligible

  • No Prepayment Penalty Option Available

Benefits of Hard Money Loans for Real Estate Investors

The advantage of using a hard money loan is that the lender does not base the interest rate on your credit score. Therefore, you will not have the effect of past financial situations or mistakes affecting your ability to advance with an investment property. Even with negatively affected credit, a borrower can obtain a hard money loan using the value of the investment property as collateral.


This is a great option for investors with limited credit or poor credit history to improve their business. Another advantage with hard money loans is the  efficiency at which you are able to obtain a significant loan.


Applying for bank mortgages is a long and dreadful process that can take more than 3x as long to get than a hard money loan. Therefore, it is beneficial that the speed at which hard money loans are able to process and fund transactions at an average of 14 days.

Ready to get started with a Hard Money Loan specialist?

Get ahead of the competition in the real estate market. It’s Fast, Easy, and Just Takes Minutes.


Speak to an Investment Property expert today by calling 267-630-2875

Get a Free. No Obligation. Instant Rate Quote Today!

We Lend Nationwide: Our Direct Lending Services for Hard Money Loans

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Eligibility Requirements for Hard Money Loans

Real estate investors with investment properties and any level of FICO score can apply for and receive a hard money loan. These loans are popular due to their rapid approval times, flexibility, and low levels of documentation, making them ideal for investments with faster turnaround timeframes.


Even if an individual is rejected for a bank loan, they may still qualify for a hard money loan, making it well suited for individuals in more complicated financial situations.

Found an investment property and are interested in applying for a loan?

Our loan programs are structured to meet your needs, regardless of what type of investor loan you’re looking for.


As one of the premiere hard money lenders for real estate investors, our borrowers can rely on us to quickly finance their real estate deals and help them grow their businesses.

Why Choose Kings of Capital for Your Hard Money Loan?

Hard money loans are not sourced from traditional lenders like banks or the government but from private investors and funders. One significant advantage of working with a private lender is that the loan application process can be quicker once you establish trust and a relationship.


With hard money loans, there is no need to dig into your financial past or wait for a bank's approval. However, due to the high risk and high speed of these loans, engaging with the right private lender is important.


Kings of Capital is a nationwide private money lending company and the top choice for real estate investors. We have years of experience helping our clients finance their deals and grow their businesses, making us the premier hard money lenders for real estate investors.


Our loan programs, including hard money, multi-family bridge, and rental loans, are structured to meet your needs. On average, hard money loans' interest rates range from 9%-12%, and our competitive loan programs offer investors some of the best rates in the industry.


Schedule an appointment on our site today! If you're curious to learn more about hard money loans or Kings of Capital, check out our company blog to learn from our team of professional lenders.

Get Started Today: Apply for a Multi-Family Bridge Loan with Kings of Capital

Kings of Capital offers hard money loans for a variety of investment properties. Unlike traditional bank mortgages, which can take up to 45 days to approve, we can approve your hard money loan and provide funds in as little as 14 days. Our competitive loan programs offer some of the best interest rates in the industry, typically ranging from 9% to 12%. Hard money lenders charge higher interest rates due to the higher risk involved and the speed at which they process and fund transactions. Hard money loans are an ideal option for investors who need to move quickly, and these short-term loans, usually lasting 12 months, can help investors achieve their goals.


How can I get a Hard Money loan?


To acquire a hard money loan, one must find a hard money lender in the same state as the investment property or work with Kings of Capital, as we are a Nationwide Direct Private Money Lender. Then one submits a loan approval application, including property type (ex. Commercial, Multi-Family, Mixed Use, etc.), loan purpose, purchase price, rehab/new construction budget, and target closing date. Additional information, such as a W-2 and a background check, may also be needed.​

Ready to Take the Next Step? Contact Us Today.

Stay ahead of the competition in the real estate market with Kings of Capital. Our private money lending solutions make it fast and easy to secure financing for your next investment property purchase.


To speak with a hard money loan expert and receive a free, no-obligation rate quote, call us at 267-630-2875 today.

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