What is it?
DirectLenderMatch classifies Hard-Money Residential Real-Estate Loan under the financing form “Short-term secured loan.” Its typical use in this directory is: Fast/private financing when conventional underwriting does not fit.
How does it work?
The structure is generally evaluated, supported, or secured using the following basis: Property collateral/value. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.
What can it be used for?
Fast/private financing when conventional underwriting does not fit.
What backs or supports it?
Property collateral/value.
Why does this structure exist?
This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.
Important considerations
Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.
Is this actually a loan?
Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.
Verified lenders or providers
Direct mortgage lender
Griffin Funding, Inc.
Griffin Funding's current loan list explicitly includes this Non-QM / investor product family.
Official evidence page →Last verified: 2026-08-23
Direct private lender
Lima One Capital
Lima One currently identifies itself as a private lender and documents FixNFlip, bridge, rental/DSCR, portfolio rental, short-term rental, new construction and Build2Rent programs.
Official evidence page →Last verified: 2026-08-23
Direct real-estate investment lender
Kiavi
Kiavi explicitly markets hard-money financing for real-estate investors and documents short-term fix-and-flip / bridge loans.
Official evidence page →Last verified: 2026-08-24
Nationwide private direct lender
RCN Capital
RCN identifies itself as a nationwide private direct lender and says its short-term real-estate loans are often called hard-money loans.
Official evidence page →Last verified: 2026-08-24
Private real-estate lender
New Silver
New Silver currently offers hard-money fix-and-flip financing for non-owner-occupied residential investment properties.
Official evidence page →Last verified: 2026-08-24
Private mortgage lender
Anchor Loans
Anchor provides fast purchase, rehab and construction financing to residential real-estate investors and explicitly documents hard-money lending in active state markets.
Official evidence page →Last verified: 2026-08-24
Private real-estate lender
Easy Street Capital
Easy Street Capital explicitly offers hard-money Fix & Flip / bridge financing to real-estate investors in its lending footprint.
Official evidence page →Last verified: 2026-08-24
Other sources & comparison
DirectLenderMatch lists providers whose offerings have been individually documented, but the list is not exhaustive. Local and regional banks, mortgage lenders, private lenders, and specialty real-estate finance companies may offer related financing. Availability and underwriting can vary substantially by property, geography, and borrower profile.
Financing terms can differ between sources. An initial offer is not necessarily the only available option. Reviewing more than one source can help show differences in rates, fees, repayment terms, eligibility requirements, collateral treatment, and other conditions.
Compare fixed-rate loan terms with the Loan Comparison Calculator →
Finding a local hard-money lender
Hard-money and private-money lending is often local or regional. The providers above are documented examples, not a complete list of lenders serving every market.
Try searches such as hard money lender [city/state], private money lender [city/state], fix and flip lender [city/state], real estate bridge lender [city/state].
Local real-estate investor associations, experienced mortgage brokers, title or escrow professionals, and commercial real-estate attorneys may also know active private lenders in the area. Verify that a company actually originates the loan rather than only selling leads or referring borrowers.
Confirm the lender serves your location and property type, then review licensing where applicable, interest rate, points and fees, extension/default terms, collateral, recourse or guaranty requirements, prepayment terms, and total cash required to close.
Related financing structures
Private-Money Residential Mortgage
Private lender mortgage outside institutional channels
No-Ratio / No-Income Investor Bridge Loan
Short-term investor financing without personal DTI focus
Commercial Hard-Money / Private-Money Bridge Loan
Fast collateral-focused CRE financing
Bank Portfolio Mortgage
Loan held on lender balance sheet outside agency execution
Fix-and-Flip Loan
Acquire/rehab/resell residential investment
Residential Investor Bridge Loan
Acquire/season/transition rental property