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The Hard Money Co.

Lender
4.7 stars
238 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 (238)


4.7 stars
238 Reviews
4.7 stars
237 Reviews
1.0 star
1 Review

reviewer image
5.0 stars
|
2 months ago
Reviewed by Jean Leandre
I closed with The Hard Money Co. on June 1, 2026, and already have two more deals heading to closing. The experience has been outstanding. The team moves fast, communicates well, and genuinely works to support your goals. Alex Coffman was incredible throughout the process, always advocating for me and making sure I had everything needed to get to the closing table. A big thank you as well to Melanie Molen, who kept everything organized and moving smoothly through the final stages. Fast, responsive, and dependable! Exactly what you want in a lending partner. Looking forward to many more deals together.
reviewer image
5.0 stars
|
2 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
|
3 months ago
Reviewed by Marc Marlow
The Hard Money Company is a team of conscientious, hardworking people who possess the rare ability to see beyond the numbers and grasp the possibilities. The Hard Money Company came through for us at a critical time, and we will be forever grateful. We commend The hard Money Company without reservation.
reviewer image
5.0 stars
|
3 months ago
Reviewed by Van Blackman
Sarah Floyd got a deal funded for one of our borrowers last month in Oconomowoc!! The money was on time (if not early), and it was a very smooth transaction. Very glad to have Sarah in our corner!! Thank you Sarah! Looking forward to doing more deals with you and The Hard Money Co in the future!!
reviewer image
5.0 stars
|
3 months ago
Reviewed by Scott Steiner
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
|
5 months ago
Reviewed by Amos Kuhns
John and Melanie were very helpful all the way through, making my loan as efficiently as possible. I really appreciated that immediately after closing, they initiated a $3000 advance to get started with. This didn't happen with my other lenders. Much appreciated. Also my closing company said they were easy to work with. Plan to use again.
reviewer image
5.0 stars
|
7 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
|
9 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
|
11 months 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
|
11 months 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
|
2 months ago
Reviewed by Jean Leandre
I closed with The Hard Money Co. on June 1, 2026, and already have two more deals heading to closing. The experience has been outstanding. The team moves fast, communicates well, and genuinely works to support your goals. Alex Coffman was incredible throughout the process, always advocating for me and making sure I had everything needed to get to the closing table. A big thank you as well to Melanie Molen, who kept everything organized and moving smoothly through the final stages. Fast, responsive, and dependable! Exactly what you want in a lending partner. Looking forward to many more deals together.
reviewer image
5.0 stars
|
2 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
|
3 months ago
Reviewed by Marc Marlow
The Hard Money Company is a team of conscientious, hardworking people who possess the rare ability to see beyond the numbers and grasp the possibilities. The Hard Money Company came through for us at a critical time, and we will be forever grateful. We commend The hard Money Company without reservation.
reviewer image
5.0 stars
|
3 months ago
Reviewed by Van Blackman
Sarah Floyd got a deal funded for one of our borrowers last month in Oconomowoc!! The money was on time (if not early), and it was a very smooth transaction. Very glad to have Sarah in our corner!! Thank you Sarah! Looking forward to doing more deals with you and The Hard Money Co in the future!!
reviewer image
5.0 stars
|
3 months ago
Reviewed by Scott Steiner
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
|
5 months ago
Reviewed by Amos Kuhns
John and Melanie were very helpful all the way through, making my loan as efficiently as possible. I really appreciated that immediately after closing, they initiated a $3000 advance to get started with. This didn't happen with my other lenders. Much appreciated. Also my closing company said they were easy to work with. Plan to use again.
reviewer image
5.0 stars
|
7 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
|
9 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