Top 25 Private & Hard Money Lenders in the United States

Kenton Rael is a Loan Officer with Bridgewise Lending who specializes in providing financing solutions for real estate investors. With over a decade of experience in the real estate industry, Kenton focuses on helping clients fund fix and flip projects and rental property acquisitions through tailored short-term and long-term loan options.
At Bridgewise Lending, Kenton works closely with investors to understand their unique goals and match them with the right lending products. His approach is rooted in transparency, speed, and a deep understanding of investment-focused lending.
He takes pride in streamlining the process, communicating clearly, and ensuring his clients can move forward with confidence on their real estate deals.
Kenton’s hands-on experience and commitment to investor success make him a trusted partner for anyone looking to grow or scale their real estate portfolio.
Whether you're purchasing your first rental or managing multiple projects, Kenton Rael is ready to help you access the capital you need to succeed.
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Jcap Private Lending is a direct lender that closes and services investor-funded short-term real estate loans. Our experienced team has been providing quality mortgage services for over 30 years.
Jcap Private Lending is an asset-based lender that steps in to quickly solve a short-term financial need secured by Real Estate. Jcap has an innovative approach to lending: focusing on speed, simplicity, and safety for borrowers and investors.
Jcap Private Lending is a trusted nationwide direct lender in the 30 year rental and short term bridge loan space specializing in purchase, refinance and fix & flip loans for single family to four units, multifamily and commercial properties.
Jcap works primarily with a nationwide broker network that sources loan opportunities through their local networks.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

JGL Capital, LLC, founded by John and Grisel Litton, is a hard money brokerage firm that connects borrowers with lenders. The company aims to provide efficient, secure, and profitable financing solutions, acting as a middleman to facilitate deals. The focus is on high-value transactions that maximize returns while minimizing common pitfalls.
With over three decades of experience, JGL Capital provides expert financing solutions for high-value real estate transactions. Our deep industry knowledge and extensive lender network allow us to offer fast, flexible, and reliable funding tailored to your needs. Whether you're investing in commercial or residential projects, we’re here to help you capitalize on opportunities and achieve your financial goals efficiently.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

InstaLend is a nationwide non-bank real estate lender providing investment property loans for residential 1-4, multi-family and mixed-use properties. Our company provides fast & reliable financing for fix & flip, rentals and new construction loans.
Whether it's your first or fiftieth real estate investment, InstaLend meets all your short-term and long-term investment needs with its competitive rates and diverse loan programs.
Our objective is to empower real estate operators to get access to capital at lower rates in far less time than they would with alternative lenders. Submit your loan application online and get a loan commitment the same day!
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

We put all of our loan terms in writing upfront. That way you know what to expect from start to finish. No surprises, no hidden fees, no tricks.
Are you confused or worried about the lending process? No problem. We understand. That’s why we strive to fill in every gap, quiet every fear, and offer answers to every question.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

Most people know that many real estate investors go to traditional lenders, such as banks, only to be turned down for credit, self-employment income, closing in their companies name or having too many properties in their portfolio.
Rejection makes a person feel defeated, hopeless and in this case
un-fundable. Versair Private Money offers loan products with a list of hard money investors who require no FICO minimums, no tax returns, encourages closing as your company and allows as many properties as you’d like to invest into.
You as a real estate investor, will find that it’s less effort on your end sourcing the funding as we do the sourcing for you. When you wake up the next day and see that loan quote in your inbox, you’ll be blown away and full of hope again knowing that there is a chance for victory in your investing career once again or for the
first time.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

Washington Capital Partners is a private hard money lender, funding a variety of investment projects across Washington DC, Virginia, Maryland, Pennsylvania, North Carolina, and beyond. We have built a team of fellow investors in order to offer both lending services as well as advice and assistance to clients. While hard money lending is our business platform, relationships are the real catalyst for our success.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

RBI Mortgages is an investment property lender. The private lending division started in 2015 and has grown steadily ever since, funding hundreds of loans and providing exceptional service to all of our customers.
At RBI Mortgages, we offer highly competitive private loans. We aim to provide our customers who have limited access to credit, with the lowest available rates and fees.
Our group is composed by experienced individuals that will provide financial services tailored to your needs. After years of experience in the industry, we are confident that we will accomplish your goals by providing you with a competitive proposal in less than 48 hours and provide you with the service you deserve.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

Real estate professional with over 15 years of experience as a real estate agent, mortgage banker, and current owner and operator of Unlimited Funding, a hard money lending brokerage based in Atlanta, GA.
Unlimited Funding specializes in funding real estate properties that banks won't lend on for various reasons. Our clients desire asset based lending that allows them to purchase and refinance properties without the red tape, heavy documentation, and strict bank underwriting guidelines that kill many deals.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

Offering funding solutions for multiple projects ranging from Fix & Flips to Rental loans short/long-term. Placing more of your hard-earned money in your pockets while providing you with competitive rates and LTV AND finding funding for businesses with a lower than 620 credit score. set me apart from my competition.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

Now Lending Capital Group is a nationwide direct lender. We specialize in fix and flips/holds, Long-Term rentals, and AirBnB loans. We pride ourselves in being fair, honest, and accessible.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

Carolina Capital is a hard money lender serving the needs of the “Real Estate Investor” and the "Small Builder" borrower who is striving to build wealth and generate income for themselves and their families. We offer “hard money rehab loans” and "Ground up Construction Loans" for investors only in NC, SC, GA, VA and TN (some areas of FL, as well).
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

We're more than your local source for fix-and-flip, hard money, new construction, and rental property funding. We help small business operators, real estate investors, and contractors finance their business activities, even if it's your first time. In fact, our local loan programs can be tailored to your unique project specifications.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

MAE Capital Real Estate and Loan is a unique Brokerage firm born from the changing Real Estate and Mortgage Industry. Our operating model exemplifies a forward-thinking approach to the Mortgage and Real Estate Industry as a whole, which we apply to the benefit of our Clients.
With over 50 years of Mortgage Brokering/Banking and Real Estate Brokerage experience collectively, the principals, and professionals on staff at MAE Capital Real Estate and Loan are dedicated to providing leading-edge service and competitive interest rates to our Clients. With service being our cornerstone to our customers.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

We originate loans to investors who purchase and renovate non-owner occupied investment properties in Houston, Texas. Our rates are as low as 9.99% and we fund in as little as 7 days.
Our parent company operates two investment funds and our team has a strong track record in residential investments. We understand your needs, we provide the support you need, and we fund your deals fast using our own funds.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

When it comes to financial strengths and upward mobility, you cannot find a more dedicated individual working on your behalf than Elliott C. Washington Jr. With over 30 years working for the U.S. government, which includes being retired from the United States Navy & United States Postal Service, Mr. Washington has developed a sharp work ethic that allows him to work with people from all walks of life. Approaching 7 years in business providing the most efficient & streamlined approach to lending - is the #1 goal at Custom Biz Funding!!!
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

PSG Lending was established in 2015 by an experienced team of mortgage banking professionals. With a focus on commercial bridge loan opportunities between $150,000 and $10,000,000, PSG Lending is a direct lender and capital partner. Our approach to lending is to build long term relationships by providing a transparent, reliable and swift process to our clients. Typical transactions have an urgent closing timeline, a strong value proposition, and a clear exit strategy – usually within 12 – 18 months of the loan being issued. We provide time-sensitive interim and bridge financing using non-owner occupied residential and commercial real estate as collateral. We are a direct lender utilizing our own capital as our funding source. We internally underwrite our loans allowing us to apply a common sense approach to our loan approval process.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

We Lend is a hard money lender focused on servicing real estate investors by providing quick and low-cost capital on their investment properties. We Lend’s approach to lending is centered around the investor, therefore allowing the investor to focus more on their investment and less on the loan process.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

Founded in 2009 as a nationwide, non-conforming commercial lender, South End Capital became a division of Stearns Bank N.A., a $2.3 billion financial institution, in June of 2021. Our innovative balance-sheet lending and comprehensive marketplace financing delivers a full spectrum of capital solutions for emerging and expanding businesses.
South End Capital’s tech-enabled platform and premier customer support offers equal access to industry-leading conventional and alternative equipment, real estate, and business funding.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

Worthington Alternative Capital, LLC, founded by Stewart D. Sachs, specializes in making hard money loans to qualified borrowers. We make short term loans for non-owner occupied residential, as well as all levels of commercial needs. Our principals, Stewart D. Sachs and Jamie Sachs Mossovitz, provide fast, efficient, and hassle free settlements so you as an investor or business owner can take advantage of your potential project NOW, and not 30-90 days from now.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

CEO and Chief Underwriter of Crescent Lenders, Mario Padilla, is a graduate of California State University, Los Angeles and is a licensed California Real Estate Broker.
With over 20 years of experience in the banking sector Mr.Padilla has solely specialized on the hard money lending market since 2011.
He has worked for such banks as Bank of Boston, Long-Term Credit Bank of Japan and Fuji Bank and served clients in various Fortune 500 companies.
His previous experience in credit underwriting has proven vital to the success of our company for the last 9 years which focuses on funding 1st Trust Deed investments for commercial real estate in California.
Mr. Padilla has underwritten and funded over $150 Million in hard money loans over the last 9 years which are primarily funded by private investors as well as traditional banking institutions.
Mr. Padilla is actively involved with various non-profit organizations and charities in Los Angeles through roles such as Financial Advisor, Trustee and Financial Supporter.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

Non-owner-occupied MLO/Broker
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Peak Choice Capital is a private lender providing funding in multiple states throughout the US. We offer short-term hard money bridge loans, buy-and-hold loans, cash-out loans, fix-and-flip loans, DSCR loans, and small-balance commercial loans.
We issue terms between 1- 3 years and loan amounts ranging from $100,000 to $4,000,000.
We make loans on all of the following property types:
- Single-Family Investment Properties
- Short-Term Rental Property
- Multifamily Property
- Mixed-Use Property
- Hospitality
Additional Highlights:
- 24-hour pricing
- No personal income is required
- 2-3 weeks' average closing times
- Hybrid appraisal options available
- New investors welcome
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

Greetings! I am Curtis, dedicated to leading my business with integrity and Christian values. My expertise lies in the realm of vacant land, where I specialize in assisting landowners to effectively convert their properties into cash.
Whether you're looking to sell undeveloped land or seeking a parcel for building a home or recreational use, I am here to guide you through every step of the process.
With a deep commitment to ethical business practices and a passion for real estate, I strive to provide personalized solutions that meet the unique needs of each client.
My goal is not only to facilitate transactions but also to foster lasting relationships built on trust and mutual respect.
If you're ready to explore the possibilities of vacant land, whether for investment, development, or personal enjoyment, I invite you to connect with me. Together, we can turn your land aspirations into reality, grounded in principles that matter.
Recommendations are a significant part of our proprietary ranking algorithm that's responsible for determining positioning of every business in each respective list of companies on our platform. In other words, the higher the total amount of (unique & verified) recommendations a certain company has, the higher position in the list it most likely will hold

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Find Top Local Residential and Commercial Private and Hard Money Lenders in Your Area
Finding sources of private money for real estate investors new to the industry can be difficult. Those custom, manufactured, small mobile homes, and commercial properties that are waiting to be fixed and flipped promise a good profit. But how do you get a hard money loan for such a project? Those empty apartment buildings you’ve had your eye on for some time are just waiting for some rehab. But it’s going to take a lot of hard cash and time before they can start producing income. What about that apartment complex with the motivated seller? You are so confident that if you could buy and hold those rental properties for ten years, you could get a twelve percent ROI. But it’s going to take a sizeable hard money mortgage to pull it off.
We help real estate investors in your area, and nationwide, who want to have a list of legitimate private money lenders to approach for financing their projects. We have studied the industry’s leading commercial and residential hard money lending companies, and compiled our research in our directory of top-rated hard money lenders. Whether you are buying a residential,commercial, or industrial investment property or refinancing one you already have, we can help you get in touch with the right lenders.

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Frequently Asked Questions
What is a hard money loan in real estate investing?
A hard money loan is a method for financing investment properties such as single family homes, condos, multifamily apartment buildings, retail or industrial properties, and other income generating real estate.
A hard money loan is usually used for riskier investments, such as buying a property in bad condition to rehab and resell it. In this situation it’s unlikely to get approved for a loan by a traditional residential or commercial mortgage lender. But hard money lenders provide cash for such deals, however, with a higher interest rate and additional fees.
Another reason is that getting a hard money loan is a much quicker and less bureaucratic process than getting a traditional financing. This can be important if an investor finds a very attractive investing opportunity that they don’t want to lose to a quicker competitor.