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The Hard Money Co.

Lender
4.7 stars
255 Reviews

Markets served


Nationwide

Except the following states:

Louisiana

About us


We Fund Deals®

The Hard Money Co. is a private lender for real estate investors. We do fix & flip, BRRRR, and rental loans, funded nationwide.

Close in 7–10 days, not 30–45. No appraisal required, because we value in-house. No credit pull to qualify. Approvals in as little as 24-48 hours.

17+ years in the business. $400M+ funded across 1,000+ projects. 4.7★ from 248 reviews.

Brokers: we pay your fee on every deal, and the client stays yours.

Have a deal? Send it at thehardmoneyco.com.

All loans subject to underwriting.

Specialties


Hard/Private/Non-QM

Fix & Flip
Rehab for Buy & Hold
Bridge Loan
Refinance (investment)

Reviews (255)


4.7 stars
255 Reviews
4.7 stars
254 Reviews
1.0 star
1 Review

reviewer image
5.0 stars
|
4 months ago
Reviewed by R D
Need $130,000 for a new construction loan and need to close in less than 14 days? This is the team you want on your side. From day one, they moved with urgency, provided clear guidance, and made the entire process smooth and stress-free. Their knowledge of construction financing and commitment to customer success exceeded my expectations. Thanks to their hard work, I was able to stay on schedule and move forward with my project. Five-star service from start to finish!”
reviewer image
5.0 stars
|
4 months ago
Reviewed by JW EQUITY
The experience was excellent and the customer service from all team members was impeccable. I really like the speed of how quickly the construction draws were turned around to help keep team members paid and the project consistently advancing. I would personally like to thank Sarah & Jacob for walking me through my deal structure and how to navigate some small obstacles when they arose. I highly recommend this company for investors who are looking to move quick and partner with a responsible lender. Sincerely, Lamar Johnson
reviewer image
5.0 stars
|
5 months ago
Reviewed by Joe Perciavalle
Working with this hard money lender has been one of the smoothest experiences I’ve had in real estate. The entire process was straightforward, fast, and easy to navigate from start to finish. They made everything clear, kept things moving, and didn’t waste time with unnecessary back-and-forth. What really stood out was how helpful and responsive the team was throughout the deal. Anytime I had a question, they were quick to answer and made sure I understood every step. You can tell they actually care about getting deals done and helping investors succeed. A special thank you to Ben—he went above and beyond. He was professional, knowledgeable, and always available when I needed him. He made the whole process feel simple and stress-free, which is rare in this business. Overall, I highly recommend this lender to anyone looking for a reliable, efficient, and investor-friendly funding partner. I’ll definitely be working with them again on future deals.
reviewer image
5.0 stars
|
9 months ago
Reviewed by Eli
Always some hiccups along the way when it comes to real estate investing, but overall, they were great in getting me started off into my real estate investing journey!
reviewer image
5.0 stars
|
11 months ago
Reviewed by Fidi Corp
Great experience one of the best lenders I worked with . They get the job done & fast Sarah & Jacob was instrumental very responsive & proactive on helping meet deadlines . I highly recommend. This company treat you like family. Looking to do more business
reviewer image
1.0 star
|
about 1 year ago
Reviewed by Adam King
A member of their team, Ben Seaman. Reached out to me through a paid lead source, in an attempt to get me to push my leads over to The Hard Money Co. In doing so he wasted my time and money, and completely violated RESPA. Shady business...
reviewer image
1.0 star
|
about 1 year ago
Reviewed by Adam King
A member of their team, Ben Seaman. Reached out to me through a paid lead source, in an attempt to get me to push my leads over to The Hard Money Co. In doing so he wasted my time and money, and completely violated RESPA. Shady business...
reviewer image
5.0 stars
|
4 months ago
Reviewed by R D
Need $130,000 for a new construction loan and need to close in less than 14 days? This is the team you want on your side. From day one, they moved with urgency, provided clear guidance, and made the entire process smooth and stress-free. Their knowledge of construction financing and commitment to customer success exceeded my expectations. Thanks to their hard work, I was able to stay on schedule and move forward with my project. Five-star service from start to finish!”
reviewer image
5.0 stars
|
4 months ago
Reviewed by JW EQUITY
The experience was excellent and the customer service from all team members was impeccable. I really like the speed of how quickly the construction draws were turned around to help keep team members paid and the project consistently advancing. I would personally like to thank Sarah & Jacob for walking me through my deal structure and how to navigate some small obstacles when they arose. I highly recommend this company for investors who are looking to move quick and partner with a responsible lender. Sincerely, Lamar Johnson
reviewer image
5.0 stars
|
5 months ago
Reviewed by Joe Perciavalle
Working with this hard money lender has been one of the smoothest experiences I’ve had in real estate. The entire process was straightforward, fast, and easy to navigate from start to finish. They made everything clear, kept things moving, and didn’t waste time with unnecessary back-and-forth. What really stood out was how helpful and responsive the team was throughout the deal. Anytime I had a question, they were quick to answer and made sure I understood every step. You can tell they actually care about getting deals done and helping investors succeed. A special thank you to Ben—he went above and beyond. He was professional, knowledgeable, and always available when I needed him. He made the whole process feel simple and stress-free, which is rare in this business. Overall, I highly recommend this lender to anyone looking for a reliable, efficient, and investor-friendly funding partner. I’ll definitely be working with them again on future deals.
reviewer image
5.0 stars
|
9 months ago
Reviewed by Eli
Always some hiccups along the way when it comes to real estate investing, but overall, they were great in getting me started off into my real estate investing journey!
reviewer image
5.0 stars
|
11 months ago
Reviewed by Fidi Corp
Great experience one of the best lenders I worked with . They get the job done & fast Sarah & Jacob was instrumental very responsive & proactive on helping meet deadlines . I highly recommend. This company treat you like family. Looking to do more business

Our Team


Mike Doney