Disclaimer, disclosures & trademark notice

Not a lender; no advice

Hard.Money is an independent educational publisher and lead-referral service. We do not make, broker, fund or service loans and we do not make credit decisions. Nothing on this site is an offer or commitment to lend, a solicitation of a loan application by us, or personalized financial, investment, legal, tax or accounting advice. Consult licensed professionals before making financial decisions. Real estate investing and the use of leverage involve substantial risk, including the loss of your capital and the property.

Indicative terms

All rates, points, fees, leverage ratios, timelines and other figures are indicative market ranges compiled from lenders' public materials and broker quotes as of the dates stated on each page. They are not quotes, may not be available to you, and change without notice. Calculators are illustrative tools and may not reflect any lender's actual methodology.

Business-purpose lending

Hard money and private loans discussed on this site are generally business-purpose loans secured by non-owner-occupied property. They are not consumer loans and are not intended for owner-occupied primary residences. Lenders are responsible for their own licensing and compliance in each state; verify licensing with your state regulator and NMLS Consumer Access.

Advertiser and affiliate disclosure

We receive compensation from lenders, advertisers and partners, including referral fees when you submit a funding request, subscription and placement fees from lenders in our directory, display advertising (including Google AdSense), affiliate commissions and sponsorships. Compensation may affect how and where lenders and products appear, including featured positions, but does not influence our editorial content or the data we report. Featured and sponsored placements are labeled. Not all lenders or products in the market are included. Details: How we make money.

Third-party content

Embedded videos, linked websites and quoted materials belong to their respective owners. We do not control and are not responsible for third-party content, products or services.

Trademark and copyright notice

“Hard money” is a generic, descriptive term used throughout the real estate finance industry to describe short-term, asset-based private lending. This website uses the words “hard money” solely in that ordinary descriptive sense to describe the subject matter of its educational content and referral service. Our site operates under its domain name, Hard.Money, which is used as a web address and site identifier.

Hard.Money is not affiliated with, sponsored by, endorsed by or connected to any company, publication, program, podcast or other entity that holds or claims trademark rights in a name containing the words “hard money” in any class of goods or services, and we make no claim to exclusive rights in the descriptive phrase “hard money” itself. We do not offer entertainment programming, podcasts, events or educational courses under any “Hard Money” brand.

All lender names, company names, product names and logos referenced on this site are trademarks or registered trademarks of their respective owners and are used for identification, comparison and commentary only, without implying any affiliation or endorsement. Original text, design, code, calculators and compilations on this site are © 2026 Hard.Money / Webworks Media Network and may not be reproduced without permission except as permitted by fair use or fair dealing. If you believe any material on this site infringes your intellectual property rights, please contact us through the contact form with details and we will respond promptly.

Jurisdiction

This site is operated from Canada and is directed primarily at real estate investors in the United States. Content may not be appropriate for or compliant with the laws of other jurisdictions.