Hard Money for Real Estate Investors
We fund real estate investors across Chicagoland with fast, asset-based hard money loans for acquisition and rehab — fix-and-flip, BRRRR, bridge, and auction/foreclosure purchases. Local underwriting, deal-first, and quick to close, because we know these blocks and these numbers better than anyone.
These are business-purpose loans made to a business entity (LLC, corporation, or partnership) and secured by non-owner-occupied investment property. This is not a consumer mortgage, and it is not available for a home you or a guarantor intend to live in — for that, talk to a licensed mortgage lender.
Submit your deal
What We Fund
- Fix-and-flip — purchase + rehab on a 1–4 unit or small commercial investment property you intend to renovate and resell.
- BRRRR — buy, rehab, rent, then refinance into long-term financing; we bridge the acquisition + rehab.
- Auction & foreclosure acquisition — short-turn capital to close on a judicial-sale or bank-owned property when timing is everything.
- Bridge — short-term financing between the buy and a longer exit.
Who Qualifies
Our hard money is built for investors, and the structure is deliberate and non-negotiable:
- The borrower is a business entity, not an individual consumer.
- The property is non-owner-occupied — an investment, not anyone's primary residence.
- The loan is for a business or investment purpose (acquisition, rehab, or bridge), documented as such.
We lend on the deal first — the property, the numbers, and your plan — not on a long personal-credit underwrite.
How It Works
Send us the address and your plan. We look at the as-is value, the rehab scope, and the after-repair value, and come back quickly with terms. Because we underwrite the asset and we operate in this market every day, we move faster than a bank and we speak your language on the exit.
Local, and We Know the Deals
We are Chicagoland-focused — Cook, DuPage, Will, Lake, and Kane counties — and we run our own acquisition pipeline here. That means when you bring us a deal, you're borrowing from a lender that already understands the township, the comps, and the rehab costs on that street.
What We Don't Do
We do not make loans on owner-occupied homes or primary residences, and we do not make consumer mortgage loans. If you're a homeowner — including someone settling an inherited property or facing a hardship — hard money to you personally is the wrong tool, and we'll point you to the right one (a licensed mortgage lender, a HUD-approved housing counselor, or a straightforward sale). We never lend to a homeowner in foreclosure as a way to take their home.
Frequently asked questions
No. These are business-purpose loans made to a business entity and secured by non-owner-occupied investment property. They are not consumer mortgages and are not available for a property you or a guarantor intend to occupy as a primary residence.
No. Our hard money is strictly for investment property held by a business entity. For a home you'll live in, you need a licensed consumer mortgage lender — we're happy to point you in the right direction.
It means the loan proceeds are used for a business or investment activity — acquiring, renovating, or bridging an investment property — rather than for personal, family, or household purposes. Every file is documented to that standard.
Because we underwrite the asset and operate in this market daily, we can typically move much faster than a bank. Send the address and your plan and we'll come back with terms quickly.
Chicagoland — Cook, DuPage, Will, Lake, and Kane counties.