Fast and Flexible Hard Money Loan Solutions
Hard Money Loans for Fast, Flexible Funding
At LoanLocker, we specialize in providing hard money loans designed to move at the speed of your project. Whether you’re investing in commercial real estate or need quick access to capital for time-sensitive opportunities, our team of experienced hard money lenders is here to help.
- Direct Access to Capital – No middlemen or delays. We’re hard loan lenders with the power to fund deals quickly.
- Fast Approvals – Most loans approved within 24 to 48 hours.
- Flexible Loan Terms – Customized for your unique project goals.
- Loan Amounts Up to $20M – Nationwide reach with competitive rates.
- Trusted by Real Estate Professionals – Our reputation speaks for itself.
What Are Hard Money Loans?
Hard money loans are short-term, asset-based loans typically used for real estate investments. These loans are funded by hard cash lenders who focus on the value of the property rather than your credit score.
With hard cash money lenders like LoanLocker, you get access to fast, reliable capital with minimal red tape.
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Hard Money Loans Florida and Nationwide
LENDING PARAMETERS
| CLOSING TIME | 60 Days for Traditional, 5-7 days for hard money |
| LOAN SIZE | $500,000 to $50,000,000 |
| LTV | Up to 80% LTV, Bridge Options up to 80% LTC |
| LIEN POSITION | First Trust Deeds Only |
| LOAN TERM | 3 to 24 months |
| INTEREST RATES | Starting at 6% |
| AMORTIZATION | Interest-only payments |
| ORIGINATION FEES | 1 to 5 points based on location and property, LTV, credit worthiness of the borrower, loan amount and term |
| LENDING AREAS | Nationwide |
Flexible solutions
Hard Money Commercial Real Estate Loans
Commercial projects often require large, quick capital injections. Our hard money commercial real estate loans are built for speed and flexibility, whether you’re acquiring an office building, retail property, warehouse, or multifamily unit.
We fund:
Purchase or refinance of commercial properties
Value-add and redevelopment opportunities
Construction and ground-up development
Short-term bridge loans until permanent financing is secured
Our team of hard loan money lenders understands the urgency of commercial investments. We streamline the lending process so you can act fast and close deals with confidence.
Is LoanLocker The Right Lender For You?
WHO DOES LOANLOCKER LEND TO?
Real Estate Investors Purchasing Rental Properties
Many of our clients are real estate investors looking to buy rental properties. These investors rely on hard money lenders like LoanLocker for fast capital to secure properties before refinancing later through conventional means. Our hard cash money lenders serve as a bridge, helping investors act quickly in competitive markets while planning for long-term financing.
Fix-and-Flip Investors
Investors who buy, renovate, and quickly resell homes need fast funding to seize opportunities. That’s where our role as hard loan lenders becomes essential. We provide short-term, asset-based financing, allowing these investors to purchase distressed properties, complete renovations, and sell for a profit—without the delays of traditional bank loans.
Builders and Developers
Builders often choose to work with hard lenders because of the speed and flexibility we offer. Whether you’re starting a ground-up project or completing a development, our hard money commercial real estate loans help you get the capital needed to keep the project moving. Unlike banks, our process is streamlined, making us the preferred choice for many developers.
Borrowers Who Cannot Refinance With a Traditional Bank
In the current lending environment, borrowers often cannot qualify for a
traditional refinance on their real estate investment, even though in many cases there is significant equity in the property. The following reasons may be factors:
*Credit score is below 720
*Insufficient or inconsistent income to qualify for a traditional loan
*Debt-to-income levels are too high.
Borrowers Who Can’t Qualify with Traditional Banks
As one of the leading Mobile Home Park Loan and Hard Loan Money Lenders, LoanLocker supports borrowers who are unable to refinance with a bank due to credit score issues, income inconsistencies, or high debt-to-income ratios. Even when properties have strong equity, banks may decline refinancing—but our hard money loan lenders are here to step in and help secure short-term funding.
