Business Page

The Hard Money Co.
Lender
4.8 stars
140 Reviews
Markets served
Nationwide
Except the following states:
Arizona
California
Idaho
Minnesota
Nevada
North Dakota
Oregon
South Dakota
Utah
Washington
About us
Looking for cash to invest? You're in the right place! We've got funding options for real estate investors to get their projects started. We are a hard money lender that services real estate markets across the country. Our lending program is a vehicle through which real estate investors can realize their investment goals and be competitive in their market. Our mission is to be the premier hard money lender in the country, by helping investors achieve superior market returns by leveraging our hard money loans while supporting the real estate investment community.
Specialties
Hard/Private/Non-QM
Fix & Flip
Rehab for Buy & Hold
Bridge Loan
Refinance (investment)
Reviews (140)
4.8 stars
140 Reviews
4.8 stars
140 Reviews
0.0 star
0 Reviews
5.0 stars
a week ago
Reviewed by
Art Salgado
Amazing Experience with The Hard Money Co – Steve & Melanie Are Outstanding!
I request financing for fix-and-flip projects through The Hard Money Co, and I couldn’t be more impressed. From beginning to end, their team provided exceptional support in every single project. A special shout-out to Steve Traub and Melanie Vande Molen, whose professionalism, responsiveness, and genuine care set them apart.
🔹 Quick & Seamless Process
The entire path—from pre-approval to loan closing—is swift and efficient. Steve and Melanie kept everything on track, ensuring documents were accurate and submitted promptly. Thanks to their coordination, we closed fast without any unnecessary delays.
🔹 Stellar Customer Service
Steve’s financial insight and Melanie’s organizational skills made for a perfect team. They answered every question—no matter how small—and provided clarity and reassurance throughout the process. Their “no ghosting” approach truly made me feel valued.
🔹 Attentive, Friendly, Professional
What stood out is their personal touch. They walked me through each step, offered helpful advice, and celebrated milestones like appraisals and inspection approvals. It felt more like a partnership than a transaction.
🔹 Start-to-Finish Support
Steve and Melanie guided me from the initial inquiry all the way through funding and a smooth close. Their commitment to my success is obvious—they are always proactive and ready with solutions.
🔹 Highly Recommend for Real Estate Investors
If you’re searching for a hard money lender with integrity, speed, and real empathy, look no further than The Hard Money Co. Ask for Steve and Melanie—you’ll be in great hands! Their leadership and service are a major reason why this company truly earns a 5‑star rating.
5.0 stars
2 months ago
Reviewed by
Kevin Stone
Hard money co was great to work with. After another lender dragging their feet to get us closed, the hard money co. Stepped in and got us closed before we lost the deal to another buyer. Steve is quick to respond and a great communicator throughout the whole process. We’re now 25% done with this rehab and looking for our next project to present to the hard money co. Highly recommend them.
5.0 stars
3 months ago
Reviewed by
Daffany Lenard
Five-Star Experience with The Hard Money Co!
I can't say enough good things about my experience with The Hard Money Co. Steve and Melanie; Despite some personal credit challenges, they looked beyond that and focused on our LLC and the investment potential. From application to funding, the entire process took less than two weeks, which is incredibly fast compared to traditional lenders.
The team was professional, transparent, and efficient every step of the way. They answered all my questions promptly and made the process smooth and stress-free. If you're an investor or business owner in need of fast, reliable funding without the usual red tape, I highly recommend The Hard Money Co. They truly deliver on their promises!
5.0 stars
4 months ago
Reviewed by
gr8fl2bme
We have done several deals with the Hard Money Co and they have been very supportive and responsive. One of our deals was going to fall through and within 2 weeks we were able to close on that multi-unit. We are grateful for all of the help that Scott and Sarah and the team did to get our deal done and also the support that received throughout the renovation period. We would work with them again and recommend them to anyone trying to do a seemingly impossible deal. They will creatively work to make it possible. Thank y'all!
5.0 stars
4 months ago
Reviewed by
First Premier Project Management
My partner and I recently closed on our very first investment property with The Hard Money Co!!! I had the ABSOLUTE BEST EXPERIENCE!!! The communication was TOP TIER and the process was extremely easy. MOST IMPORTANTLY The Hard Money Co is there to PROTECT YOU! They will absolutely tell you if the deal does not make sense because they want all of their investors to be successful. TRUST ME WHEN I SAY THAT IS HARD TO FIND!!! I have done a TON of research to find the right company to partner with when it comes to investing and I wouldn't dare trust any other company.
William and Melanie are the ABSOLUTE BEST!! I am so glad that they are the people reviewing my applications because they have protected me from many losses and give me the best advice! They ALWAYS respond right away and were always there if I had any questions. Can't wait to do more deals with The Hard Money Co!!!
5.0 stars
5 months ago
Reviewed by
James Lewis
I worked with Steve and Melanie at The Hard Money Co, and they were fantastic! They were incredibly competent and fast, closing my loan in just 10 days. They even helped me bail out my borrower from a previous lender who failed to fund at the last minute. Steve and Melanie were responsive, knowledgeable, and truly saved the day. I highly recommend them to anyone looking for reliable and efficient hard money lending – I know I'll be sending them more deals in the future!
5.0 stars
5 months ago
Reviewed by
Elijah Tisdale
From start to finish the hard money Co. went above and beyond to help my first investment property reno run smoothly.
I wouldn’t recommend anyone else but them when it comes to your hard money needs and I’m excited to start the next project here in a few weeks!
5.0 stars
7 months ago
Reviewed by
Darius
I have now closed 2 deals with the hard money co, one last year in December and one early this week! These guys are awesome, they do allow 2nd position Liens allowing for you to put 0 dollars into the deal if you have a gap funder. Or my most recent deal I just paid the cash out of pocket, very low down payments on investment properties especially when you are a repeat borrower! Did I mention my credit was around 500 both times I closed. These guys are awesome and I recommend them to all of my friends! I have worked with I believe his name was max & melanie on the first one and Jacob Nelson & nick reddy on this one! Can’t say enough great things. We have started rolling hard on this project and look forward to getting it completed, Scott thanks a lot man
5.0 stars
a week ago
Reviewed by
Art Salgado
Amazing Experience with The Hard Money Co – Steve & Melanie Are Outstanding!
I request financing for fix-and-flip projects through The Hard Money Co, and I couldn’t be more impressed. From beginning to end, their team provided exceptional support in every single project. A special shout-out to Steve Traub and Melanie Vande Molen, whose professionalism, responsiveness, and genuine care set them apart.
🔹 Quick & Seamless Process
The entire path—from pre-approval to loan closing—is swift and efficient. Steve and Melanie kept everything on track, ensuring documents were accurate and submitted promptly. Thanks to their coordination, we closed fast without any unnecessary delays.
🔹 Stellar Customer Service
Steve’s financial insight and Melanie’s organizational skills made for a perfect team. They answered every question—no matter how small—and provided clarity and reassurance throughout the process. Their “no ghosting” approach truly made me feel valued.
🔹 Attentive, Friendly, Professional
What stood out is their personal touch. They walked me through each step, offered helpful advice, and celebrated milestones like appraisals and inspection approvals. It felt more like a partnership than a transaction.
🔹 Start-to-Finish Support
Steve and Melanie guided me from the initial inquiry all the way through funding and a smooth close. Their commitment to my success is obvious—they are always proactive and ready with solutions.
🔹 Highly Recommend for Real Estate Investors
If you’re searching for a hard money lender with integrity, speed, and real empathy, look no further than The Hard Money Co. Ask for Steve and Melanie—you’ll be in great hands! Their leadership and service are a major reason why this company truly earns a 5‑star rating.
5.0 stars
2 months ago
Reviewed by
Kevin Stone
Hard money co was great to work with. After another lender dragging their feet to get us closed, the hard money co. Stepped in and got us closed before we lost the deal to another buyer. Steve is quick to respond and a great communicator throughout the whole process. We’re now 25% done with this rehab and looking for our next project to present to the hard money co. Highly recommend them.
5.0 stars
3 months ago
Reviewed by
Daffany Lenard
Five-Star Experience with The Hard Money Co!
I can't say enough good things about my experience with The Hard Money Co. Steve and Melanie; Despite some personal credit challenges, they looked beyond that and focused on our LLC and the investment potential. From application to funding, the entire process took less than two weeks, which is incredibly fast compared to traditional lenders.
The team was professional, transparent, and efficient every step of the way. They answered all my questions promptly and made the process smooth and stress-free. If you're an investor or business owner in need of fast, reliable funding without the usual red tape, I highly recommend The Hard Money Co. They truly deliver on their promises!
5.0 stars
4 months ago
Reviewed by
gr8fl2bme
We have done several deals with the Hard Money Co and they have been very supportive and responsive. One of our deals was going to fall through and within 2 weeks we were able to close on that multi-unit. We are grateful for all of the help that Scott and Sarah and the team did to get our deal done and also the support that received throughout the renovation period. We would work with them again and recommend them to anyone trying to do a seemingly impossible deal. They will creatively work to make it possible. Thank y'all!
5.0 stars
4 months ago
Reviewed by
First Premier Project Management
My partner and I recently closed on our very first investment property with The Hard Money Co!!! I had the ABSOLUTE BEST EXPERIENCE!!! The communication was TOP TIER and the process was extremely easy. MOST IMPORTANTLY The Hard Money Co is there to PROTECT YOU! They will absolutely tell you if the deal does not make sense because they want all of their investors to be successful. TRUST ME WHEN I SAY THAT IS HARD TO FIND!!! I have done a TON of research to find the right company to partner with when it comes to investing and I wouldn't dare trust any other company.
William and Melanie are the ABSOLUTE BEST!! I am so glad that they are the people reviewing my applications because they have protected me from many losses and give me the best advice! They ALWAYS respond right away and were always there if I had any questions. Can't wait to do more deals with The Hard Money Co!!!
5.0 stars
5 months ago
Reviewed by
James Lewis
I worked with Steve and Melanie at The Hard Money Co, and they were fantastic! They were incredibly competent and fast, closing my loan in just 10 days. They even helped me bail out my borrower from a previous lender who failed to fund at the last minute. Steve and Melanie were responsive, knowledgeable, and truly saved the day. I highly recommend them to anyone looking for reliable and efficient hard money lending – I know I'll be sending them more deals in the future!
5.0 stars
5 months ago
Reviewed by
Elijah Tisdale
From start to finish the hard money Co. went above and beyond to help my first investment property reno run smoothly.
I wouldn’t recommend anyone else but them when it comes to your hard money needs and I’m excited to start the next project here in a few weeks!
5.0 stars
7 months ago
Reviewed by
Darius
I have now closed 2 deals with the hard money co, one last year in December and one early this week! These guys are awesome, they do allow 2nd position Liens allowing for you to put 0 dollars into the deal if you have a gap funder. Or my most recent deal I just paid the cash out of pocket, very low down payments on investment properties especially when you are a repeat borrower! Did I mention my credit was around 500 both times I closed. These guys are awesome and I recommend them to all of my friends! I have worked with I believe his name was max & melanie on the first one and Jacob Nelson & nick reddy on this one! Can’t say enough great things. We have started rolling hard on this project and look forward to getting it completed, Scott thanks a lot man