Hard Money Loans
Hard Money
Secure fast, asset-based funding for your next fix-and-flip. Our hard money loans offer flexible terms, rapid approvals, and speed when timing matters most—so you can move quickly, close with confidence, and protect your margins. Submit the form below to get started.
UP TO
70%
LTV
7-22
DAY CLOSE
12-24
I/O OPTION
$200K UP TO $5M
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Qualify Easy!
Are We A Good Fit?
Built for experienced investors, our hard money loans offer quick access to flexible capital for acquisitions, renovations, and bridge loans—when speed is non-negotiable.
Experience
At least 1+ completed properties.
Credit Score
Minimum of 580
Liquidity/Reserves
30% down payment with 1-3 month of reserves
Property Type
SFR, Condo, Townhouse, 1-15 Units
Loan-To-Cost (LTC)
Financing available for up to 100% of rehab cpsts.
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Begin your Journey today!
Key Loan Terms for Real Estate Investors
Hard Money Loan Highlights
Transparent and Investor-Focused Loan Terms
Product Type
Hard Money
Experience Required:
1+ Completed Properties
Minimum Credit Score:
580
Liquidity:
30% Down
Reserves:
1-3mo. Reserves
Prepayment Penalty:
None
Closing Timeline:
7 to 22 Days
Draw Schedule:
24–48 Hours
Loan-to-Value LTV:
70%
Loan-to-Cost (LTC):
Up to 100%
Loan Term:
12–24 Months Interest Only
Asset Types:
SFR, Condo, Townhome, 1–15 Units
Loan Amount Min:
$200k
Loan Amount Max:
$5M
Product Specifics:
Non-Owner-Occupied
Number of Units:
1 to 8 Units
Hard Money Financing Built for Investors
Fast Funding:
Get access to capital quickly with 7 to 22 day closings.
Flexible Structure:
Up to 100% rehab financing available.
Minimal Requirements:
Just 1+ completed property and 580 credit score needed.
No Prepayment Penalty:
Pay off early without extra costs.
Where We Lend
States We Lend In
Looking for financing in a state not listed? We lend in additional states on a case-by-case basis. Contact us to discuss your deal and available options.
Meet The Leader
Fast. Flexible. Funded.
Investa Funding was built from firsthand experience, not theory. As a South Florida real estate investor, I’ve been on both sides of the table: evaluating deals, moving under tight timelines, and dealing with lenders who couldn’t execute when it mattered most.
That experience shaped a clear philosophy: investor financing should be fast, direct, and built around the asset, not unnecessary red tape. This platform was created to deliver reliable hard money and short-term capital for acquisitions, renovations, and bridge scenarios, with a focus on speed, clarity, and execution.
This isn’t transactional lending. It’s a long-term, investor-first approach built by someone who understands the market, the risks, and the importance of getting deals done right.
Fast closings. Minimal red tape. Maximum results.
I’ve worked with multiple lenders over the years, and this was by far the smoothest process. Clear communication, no surprises, and they moved quickly when timing mattered. Highly recommend for serious investors.
Traditional banks couldn’t make sense of my rental income. These guys actually understand investors. They closed my DSCR loan fast, no headaches, and the terms were exactly what they promised. I’m already lining up my next deal.
I felt confident from the first call. They explained the numbers clearly, respected my time, and delivered exactly what they said they would. If you’re investing in real estate, this is the kind of lender you want on your side.
