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Hard Money Loan 

A hard money loan is an asset-based loan that uses real estate as collateral, making it a viable option for those with spotty credit.




50% - 75% LTV 


6mo, 12mo, 24mo, and 36mo terms


Rates at 10%+ per year


Weekly, bi-weekly, or monthly payback

What is a hard money loan?

A hard money loan is secured by real property and used primarily in real estate transactions. Hard money lenders are not banks but investors or companies that see value in this potentially risky venture. The loan terms depend mainly on the property value, not the borrower's creditworthiness. Funds can be used for any business operation need.

Uses & Benefits

Working with hard money lenders is fast - unlike conventional mortgages, private investors can offer funding in less than a week, a competitive advantage in real estate-backed funding. They offer an entry point to borrowers with bad credit and look past individual risk indicators due to the collateral property.

  • Closes more quickly than traditional loans.

  • Best used for bridge capital.


Frequently Asked Questions 

  • Do I qualify?
    Our minimum qualifications are: - personal FICO credit score of 500+ - at least 6 months in business - have at least 50% ownership - $15,000 in gross monthly revenue over the last 2 years - services not included in California
  • How can I use my funds?
    There’s no restriction on what you can you use the money for, though we recommend putting the funds towards income multiplying activities. Our customers usually use the funds for: purchasing inventory, payroll financing, equipment financing, marketing campaign funding, business expansion capital.
  • How do I pay back?
    There are multiple options. Depending on your preferences, business type and setup, you can choose between: daily, weekly and monthly ACH payment options, lock box or credit card split payments.
  • Do I need any collateral?
    In some cases, you do not need to provide any collateral when applying through Consolidated. We simply consider your business' overall performance and cash flow. Our goal is to make the funding experience as seamless as possible and to build long standing relationships with the companies we fund.
  • What is the term I can get the money for?
    Depending on your eligibility, you will be able to keep the funds up to 24-months.
  • How fast can I receive the funds?
    Thanks to our quick process, you are able to sign the contract and get funded the same day you submit. Funds will normally reach your account within 24-hours.
  • Who is the right fit?
    Our concierge-style services provide business owners seeking growth capital with access to extensive funding that is unavailable to retail borrowers.
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