Apply to Hard Money Lenders and Private Money Lenders Fast and Easy

You Choose Which Hard Money Lenders to Apply with.
Our easy loan request form can be subitted to one or more lenders in our directory. If you see several hard money lenders that may be right for your situation, there is no need to call each one. Fill out one form and send it to lenders you choose.

Lenders will compete for your business like so many other popular internet services. But, with Hardmoney-Lenders.com your information is controlled by you. There is no worry about your personal and confidential information being sent to lenders you know nothing about.

Save Days of Endless Searching
Hard money lenders as a whole fund many diverse types of loans that most other lenders would not. The term "Hard Money Lender" and "Hard Money Loan" has come to mean different things to different people. Yet, each hard money lender usually service only a small, specialized, well defined lending niche. This makes for a difficult, time consuming search, for borrowers needing hard money to find the best lender for their unique situation.

Even with the help of the internet, it can take days of searching and dozens of emails and phone calls before connecting with the right lender. With HardMoney-Lenders.com your search is reduced from days down to minutes. Therein lies the value of this website. We believe this is the MOST VALUABLE HARD MONEY LENDER DIRECTORY on the internet today.

What is Hard Money?
Hard Money lending is collateral based. Collateral can include real estate, business assets, receivables, and personal assets such as cars, art, jewelry, etc. Most hard money lenders prefer real estate as collateral. Real estate holds its value well and is immovable making it much easier to collect on if the borrower stops making payments. Since collateral is the main requirement, credit, income, and other person qualifications are not as important, and often are ignored in the underwriting process. But don't be surprised if a hard money lender asks for your personal information and runs a credit check. They still want to know who they are dealing with in order to prevent fraud.

Common misconceptions about what hard money lending is include: unsecured debt consolidation loans, personal loans, and loans for more than what the collateral will allow a lender to recoup from the foreclosure process. These loan types are best served by banks and large institutional lenders that feel comfortable with the additional risk of losing money in the event of non-payment. Most hard money lenders will not make construction loans, no money down purchase loans, and rehab loans based on fixed up values. These are special niches that only a small percentage of lenders cover.

Hard Money lenders are often from private sources. The lending philosophy is to fill niches conventional lenders will not touch. Because of their small size and personal involvement, hard money lenders can usually close a loan much faster and with less paperwork than a conventional lender. Speed and flexibility are the hard money lender's biggest competitive advantage, allowing them to charge higher rates and fees than conventional lenders. Because hard money is expensive, it is typically viewed as a temporary solution. Loans are usually written for no more than a 5 year term.

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