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Hard money & private lender directory

24 vetted direct lenders with the data that matters: loan sizes, leverage, rates, credit floors, closing speed and licensing — side by side. Filter by state, loan type and amount. Data is drawn from each lender's public materials and should be confirmed directly.

Kiavi VerifiedDirect lender

HQ San Francisco, CALoans $75,000 – $5,000,000Rate From 8.25%LTC Up to 95%ARV 80%FICO VariesClose ~7 biz daysSince 2013NMLS 1125207

Tech-forward lender; online pre-qualification, no appraisal on many bridge loans, draw portal with mobile inspections. 49 states + DC.

Fix & FlipBridgeRental / DSCRNew ConstructionNationwide
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RCN Capital VerifiedDirect lender

HQ South Windsor, CTLoans $75,000 – $2,000,000Rate From 9.49%LTC 100% purchase + rehabARV 75%FICO 650Close ~10 biz daysSince 2010NMLS 1045656

Publishes a transparent rate matrix tiered by number of completed flips. Strong wholesale/broker program. Portfolio loans to $75M.

Fix & FlipRental / DSCRNew ConstructionCommercialNationwide
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Lima One Capital VerifiedDirect lender

HQ Greenville, SCLoans $75,000 – $20,000,000Rate VariesLTC VariesARV VariesFICO VariesClose VariesSince 2010NMLS 1324403

Backed by a public REIT (MFA Financial). FixNFlip, Fix2Rent, Build2Rent, rental portfolio and multifamily programs; 46 states.

Fix & FlipBridgeRental / DSCRNew ConstructionCommercialNationwide
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Anchor Loans VerifiedDirect lender

HQ Thousand Oaks, CALoans $100,000 – $20,000,000Rate 9.0% – 12.25%LTC Up to 85%ARV —FICO 660 – 720Close ~5 biz daysSince 1998

One of the oldest and largest fix-and-flip lenders ($23B+ funded). Experience-tiered pricing, 2-day rush closings, Built-powered draws in ~2 days.

Fix & FlipBridgeNew ConstructionRental / DSCRNationwide
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LendingOne VerifiedDirect lender

HQ Boca Raton, FLLoans $100,000 – $3,000,000Rate VariesLTC Up to 92.5%ARV —FICO VariesClose 7 – 10 biz daysSince 2014NMLS 1508627

No interest on undrawn rehab funds; Fix-to-Rent program to 95% LTC with refinance discounts; DSCR with 45-day rate lock; portfolio loans to 20 properties.

Fix & FlipRental / DSCRNew ConstructionBridgeNationwide
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Easy Street Capital VerifiedDirect lender

HQ Austin, TXLoans $75,000 – $5,000,000Rate From 8.90%LTC Up to 93%ARV 75%FICO 600Close 24 – 48 hrs possibleSince 2016NMLS 2167568

EasyFix (6–18 mo IO, 0–2 points, $1,995 doc fee, no appraisal), EasyRent DSCR, EasyBuild with 48-hour draws. Some state/metro exclusions.

Fix & FlipRental / DSCRNew ConstructionNationwide
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Groundfloor VerifiedDirect lender

HQ Atlanta, GALoans $75,000 – $1,000,000Rate From 5.5%*LTC Up to 100% (by exp.)ARV 75%FICO 600Close ~5 daysSince 2013

Crowd-funded lender; 6/9/12-month loans, deferred-payment option, points can be rolled into the loan. LLC required. *Advertised floor rate is for top-tier deals.

Fix & FlipNew ConstructionNationwide
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CIVIC Financial Services (Roc360) VerifiedDirect lender

HQ Redondo Beach, CALoans $100,000 – $5,000,000Rate From 6.56% (DSCR)LTC VariesARV VariesFICO VariesClose VariesSince 2014

Part of the Roc360 platform. Fix & flip, 1–4 and multifamily bridge, rental, portfolio and ground-up programs; live chat; appraisal-fee credit offers.

Fix & FlipBridgeRental / DSCRNew ConstructionCommercialNationwide
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New Silver VerifiedDirect lender

HQ Hartford, CTLoans $100,000 – $5,000,000Rate From ~9.5%LTC Up to 92.5%ARV 75%FICO 650Close 5 – 10 biz daysSince 2018

Online term sheets in minutes; FlipScout deal-finding tool; DSCR loans to $3M with 660 FICO. 1–4 unit residential focus.

Fix & FlipRental / DSCRNew ConstructionNationwide
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Temple View Capital VerifiedDirect lender

HQ Bethesda, MDLoans $100,000 – $3,500,000Rate VariesLTC Up to 90%ARV 75%FICO 620Close 7 – 14 biz daysSince 2008

Bridge, fix-and-flip, ground-up and 30-year DSCR; broker-friendly; rate-and-term and cash-out refinances.

Fix & FlipBridgeRental / DSCRNew ConstructionNationwide
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Renovo Financial VerifiedDirect lender

HQ Chicago, ILLoans $100,000 – $5,000,000Rate VariesLTC Up to 90%ARV 75%FICO 660Close ~7 biz daysSince 2011

Relationship-driven lender with local market teams; strong in Midwest/Southeast; rehab, new construction and rental programs.

Fix & FlipNew ConstructionRental / DSCRBridgeNationwide
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Visio Lending VerifiedDirect lender

HQ Austin, TXLoans $75,000 – $2,000,000Rate VariesLTC —ARV —FICO 680Close 3 – 4 weeksSince 2012NMLS 1935590

DSCR specialist: 30-year rental loans, short-term/vacation rental programs, no personal income docs, portfolio options.

Rental / DSCRNationwide
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Conventus VerifiedDirect lender

HQ San Francisco, CALoans $150,000 – $5,000,000Rate VariesLTC Up to 90%ARV 75%FICO 660Close 5 – 10 biz daysSince 2016

Bridge, fix-and-flip, ground-up and DSCR for 1–4 units and small multifamily; active in CA, Pacific NW, TX and Southeast.

Fix & FlipBridgeRental / DSCRNew ConstructionNationwide
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Upright (formerly Fund That Flip) VerifiedDirect lender

HQ New York, NYLoans $100,000 – $5,000,000Rate VariesLTC Up to 90%ARV 70%FICO 650Close 7 – 10 biz daysSince 2014

Crowdfunding-backed lender for residential redevelopers; fix-and-flip, new construction and rental loans; investor portal.

Fix & FlipNew ConstructionRental / DSCRNationwide
Request termsWebsite ↗

Dominion Financial Services VerifiedDirect lender

HQ Baltimore, MDLoans $100,000 – $5,000,000Rate VariesLTC Up to 100% purchase + rehabARV 70%FICO 660Close ~7 biz daysSince 2002

Fix-and-flip up to 100% of purchase and rehab for qualified borrowers, DSCR 30-year loans, ground-up construction; broker program.

Fix & FlipRental / DSCRNew ConstructionNationwide
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Stratton Equities VerifiedDirect lender

HQ Pine Brook, NJLoans $100,000 – $5,000,000Rate From ~9.5%LTC Up to 85%ARV 75%FICO 650Close ~2 weeksSince 2017

Hard money, bridge, no-doc and DSCR programs; foreign-national loans; commercial and mixed-use.

Fix & FlipBridgeRental / DSCRCommercialNationwide
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Sachem Capital VerifiedDirect lender

HQ Branford, CTLoans $100,000 – $10,000,000Rate VariesLTC VariesARV 70%FICO Asset-basedClose 1 – 3 weeksSince 2010

NYSE-listed REIT lending on residential, commercial, construction and land primarily in the Northeast and Southeast; flexible on credit.

Fix & FlipBridgeCommercialNew ConstructionLand10 states
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Pine Financial Group VerifiedDirect lender

HQ Lakewood, COLoans $50,000 – $2,000,000Rate VariesLTC Up to 100% (incl. rehab)ARV 70%FICO 620Close ~5 biz daysSince 2008

Regional lender known for 100% financing of purchase and rehab within 70% ARV for qualified investors; educational video library.

Fix & FlipNew ConstructionBridge4 states
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TaliMar Financial VerifiedDirect lender

HQ San Diego, CALoans $100,000 – $5,000,000Rate VariesLTC Up to 85%ARV 70%FICO Asset-basedClose < 5 biz daysSince 2008

California direct lender for fix-and-flip, construction, bridge and small commercial; fast closings on 1st and 2nd trust deeds.

Fix & FlipBridgeNew ConstructionCommercial1 states
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Longhorn Investments VerifiedDirect lender

HQ Dallas, TXLoans $50,000 – $1,500,000Rate VariesLTC Up to 75% ARV incl. rehabARV 75%FICO 620Close 3 – 5 biz daysSince 2008

Finances up to 75% of ARV covering purchase and rehab; in-house title and insurance affiliates; investor education events.

Fix & FlipRental / DSCR9 states
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Jet Lending VerifiedDirect lender

HQ Houston, TXLoans $50,000 – $2,000,000Rate VariesLTC Up to 100% purchase + rehabARV 70%FICO No minimum on some programsClose ~5 biz daysSince 2004

Houston-based direct lender with flexible credit requirements; fix-and-flip, build-to-rent and rental programs across the South and Midwest.

Fix & FlipRental / DSCRNew Construction10 states
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Pacific Private Money VerifiedDirect lender

HQ Novato, CALoans $100,000 – $10,000,000Rate VariesLTC VariesARV —FICO Asset-basedClose ~7 biz daysSince 2008

Northern California private lender for bridge, fix-and-flip, commercial and consumer-purpose bridge loans; fund-backed capital.

BridgeFix & FlipCommercialLand1 states
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Socotra Capital VerifiedDirect lender

HQ Sacramento, CALoans $100,000 – $10,000,000Rate From ~9%LTC VariesARV 70%FICO Asset-basedClose ~10 biz daysSince 2007

Western-states private lender on residential, commercial, mixed-use and land; fund-backed, equity-focused underwriting.

Fix & FlipBridgeCommercialLandNew Construction9 states
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Asset Based Lending (ABL) VerifiedDirect lender

HQ Hoboken, NJLoans $75,000 – $3,500,000Rate From ~9.5%LTC Up to 90%ARV 70%FICO 660Close ~10 daysSince 2010

East-coast-rooted lender expanding nationally; fix-and-flip, new construction, bridge and DSCR; frequent 10-day closings.

Fix & FlipNew ConstructionRental / DSCRBridge18 states
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Disclosure: Lenders may pay Hard.Money a subscription or placement fee to be listed or featured; featured listings are paid placements and not recommendations. Inclusion is not an endorsement, exclusion is not a judgment, and we are compensated when you submit a funding request. Terms shown are indicative, compiled from public sources on October 30, 2026, and may have changed. Always verify licensing with your state regulator and NMLS Consumer Access.

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