Fast, Flexible Financing for Real Estate Investment Opportunities
Real estate deals move quickly. When a conventional lender can't meet your timeline or the structure of your transaction doesn't fit traditional underwriting, Capital Funding Group can help connect you with hard money financing designed for real estate investors.
We help investors pursue financing for fix-and-flips, property acquisitions, renovations, bridge transactions, commercial properties, multifamily investments, and other value-add real estate opportunities.
Our goal is simple: help you find the right financing structure for the deal — not force your deal into a one-size-fits-all loan.
Every deal is different. We work across a wide range of investment property types and transaction structures.
Finance the acquisition and renovation of properties with the goal of improving the property and selling it for a profit.
Short-term financing designed to help investors acquire, refinance, or reposition a property while pursuing a longer-term financing or exit strategy.
Financing options for investors purchasing residential, multifamily, commercial, and other qualifying investment properties.
For qualifying transactions, financing may include funds for approved improvements and renovations through a lender-controlled draw process.
Financing solutions for qualifying commercial investment properties, including value-add and income-producing properties.
Capital for qualifying projects where the property, development plan, budget, and exit strategy support the financing request.
For qualifying properties, available equity may provide an opportunity to obtain financing for additional investments, acquisitions, or other capital needs.
In competitive real estate markets, waiting weeks for conventional financing can mean losing an opportunity. Hard money financing can provide a faster path to closing for qualified transactions, allowing investors to pursue opportunities where timing is critical.
Hard money financing generally places significant emphasis on the property and the overall transaction, rather than relying solely on traditional income-based underwriting. Lenders may consider the property's current value, purchase price, renovation costs, projected after-repair value, leverage, borrower experience, and exit strategy.
Every investment property and transaction is different. Depending on the lender and transaction, financing may be structured around factors such as:
Here's what lenders typically evaluate when reviewing a hard money financing request.
Investors should have a realistic plan for repaying short-term financing. Common exit strategies include:
Complete the renovation and sell the property to repay the loan and capture the profit.
Transition from short-term financing into longer-term financing once the property qualifies.
For qualifying rental properties, refinance into a DSCR loan based primarily on the property's cash flow.
Depending on the transaction, other repayment strategies may be considered by the lender.
Tell us about the property and your investment strategy. We'll review the opportunity and help determine what financing options may be available through our lending network.
Submit Your Deal →Answers to the questions investors ask most frequently about hard money financing.
A hard money loan is generally a short-term, asset-based financing solution secured by real estate. Unlike conventional financing, the property and overall investment opportunity can play a significant role in the lender's underwriting decision.
Hard money financing is commonly used by real estate investors, developers, and entrepreneurs who need short-term capital for acquisitions, renovations, bridge transactions, and other investment opportunities.
Yes. Fix-and-flip financing is one of the most common uses of hard money. Depending on the program, financing may cover some combination of the property acquisition and eligible renovation costs.
Potentially. Financing availability depends on the property, transaction, borrower, leverage, and lender requirements.
Not necessarily. Hard money underwriting can be more asset-focused than conventional lending, but credit history, liquidity, experience, and the overall strength of the transaction may still be considered.
Timing varies by transaction and lender. Hard money can often move faster than conventional financing, particularly when the property, borrower, documentation, and deal structure are straightforward.
Loan amounts vary based on the property, purchase price, value, project costs, leverage, borrower qualifications, and lender guidelines.
Possibly. A conventional bank decline does not necessarily mean the transaction cannot be financed. Hard money and other alternative financing programs may evaluate the property and transaction differently.
Generally, hard money financing carries higher costs than conventional financing because it provides greater flexibility and often faster execution. The cost should be evaluated against the potential return, timeline, and opportunity associated with the investment.
Yes. Investors should have a realistic plan for repaying the short-term financing, whether through the sale of the property, refinancing, or another viable strategy.
It depends on the lender and transaction. Experience can be an important consideration, but the strength of the property, borrower's financial position, equity contribution, and overall deal structure may also influence eligibility.
Our team is available to walk you through your deal with zero pressure and zero obligation.
✆ 815-949-8860Don't wait until the last minute to determine how you're going to finance the deal.
Tell us about your transaction and let's explore your options.
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