Hard Money, Explained Simply
Hard money loans are short-term, asset-based loans secured by real estate. Unlike traditional lenders, hard money lenders focus primarily on the property itself and the strength of the deal—not tax returns, W-2s, or rigid underwriting formulas.
These loans are commonly used for time-sensitive opportunities where speed and flexibility matter more than long-term financing terms.
At Harvey Capital Funding, we approach hard money lending from an investor's perspective—because we've been there ourselves.
Who Uses Hard Money Loans?
Fix-and-Flip Investors
Investors purchasing distressed properties who need fast capital to acquire and renovate, then resell for profit.
Rental Property Investors
Investors using short-term financing to acquire or stabilize properties before transitioning to long-term financing.
Experienced Real Estate Operators
Investors who value speed, flexibility, and deal-level underwriting over traditional lending requirements.
Why Investors Choose Hard Money
Fast closings—often in days, not weeks
Asset-based underwriting
Flexible deal structures
Minimal documentation
Ideal for competitive or off-market opportunities
Hard money isn't about replacing traditional financing—it's about solving problems and creating opportunities when timing matters most.
Hard Money vs. Traditional Lending
Hard Money
Asset-based underwriting
Fast approvals
Flexible terms
Short-term focus
Traditional Lending
Income-based underwriting
Long approval timelines
Rigid loan criteria
Long-term focus
Hard Money, Done Differently
At Harvey Capital Funding, every deal is reviewed by a real estate investor—not a loan committee. That means faster decisions, creative structuring, and a lending partner who understands the realities of the business.
We don't believe in one-size-fits-all financing. We believe in funding deals that make sense.