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A Hard money loan is a specific type of asset-based loan financing that is popular with real estate investors. Usually issued by private investors or funders (not banks or the government), these funds are insured by real property owned by the borrower. In comparison to other types of loans, hard money loans include higher interest rates, are higher risk, and have a shorter duration. Financing for this type of loan is based on the Loan to Value (LTV) of the Asset. LTV is the ratio of the loan divided by the property’s value, and 65–75% of the property’s estimated value is a fairly standard rate for hard money loans. These loans lack comprehensive guidelines and criteria, are not fully underwritten, and do not require the borrower to have a minimum FICO. They are normally short-term Bridge Loans, lasting from 12-24 months.


To acquire a hard money loan, one must find a hard money lender located 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 information such as: 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.


Individuals with investment properties and any level of FICO score can apply for and receive a hard money loan. They are popular with real estate investors due to their rapid approval times, flexibility, and low levels of documentation, making it ideal for investments with faster turnaround timeframes. If an individual is rejected for a bank loan, they can still qualify for a hard money loan, making it well suited for individuals in more complicated financial situations.

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 business.


When it comes to investment opportunities, especially fix and flip properties, Kings of Capital knows how important it is to expedite the financing needed for your project. At Kings of Capital, we offer hard money loans for fix and flip properties. Unlike the grueling process of bank mortgages which can take upwards of forty-five days, Kings of Capital can approve your hard money loan and provide you with funds in an average closing time of just 14 days, Kings of Capital is here to quickly assist you every step of the way.

kings of capital - Hard Money Lending

Given that our loans are based on the value of an investment property rather than the borrower’s credit, we can fund deals for borrowers who are unable to get conventional financing due to a recent foreclosure or short sale. Even with tarnished credit, a borrower can obtain a hard money loan using the value of the investment property as collateral. This makes a hard money loan a great option for anyone from beginner investors with a limited credit history to experienced investors looking to free up liquidity and scale their business.

Kings of Capital funds hard money loans on single family, multi-family, mixed-use, and commercial - fix and flip investment properties. 

The interest rates on an asset based hard money loan are usually higher than those of conventional mortgages. Interest rates for hard money loans range anywhere from 9%-12%, and Kings of Capital's competitive loan programs offer qualified investors some of the best rates in the industry. Hard money lenders typically charge higher interest rates due to the greater risk associated with these loans, and the incredible speed in which they are able to process and fund transactions. Hard money loans are a very strong tool for investors who need to move quickly. These short term (usually 12 months) loans are the perfect opportunity to aid any investor in developing their success.