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The Hard Money Co.

Lender
4.7 stars
260 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 (260)


4.7 stars
260 Reviews
4.7 stars
259 Reviews
1.0 star
1 Review

reviewer image
5.0 stars
|
a month ago
Reviewed by Tracy Edwards
I was referred to, The hard money co. By my realtor Sonya Mays. I put in my application and the same day I received a call from one of their reps, Alex Coffman. He was very professional and listened to what my needs were as far as what type of property I was interested in purchasing. This rep got right on it. He sent me the list of what they needed from me immediately. I could hear in his voice he wasn’t feeling well so I asked. He explained to me he was working from home as he recovered from being sick. But when I tell you he didn’t miss a beat. He worked hard for me to get my loan closed within 30 days. The other staff as well were amazing. They worked as a team to help me get through the process. Now I am the proud owner of my first commercial building. Not only did they help with funding but they helped with getting insurance and locking in another lender to refinance out of the hard money loan after the rehab of the property is done. I will recommend the hard money co team to any and everyone trying to buy property. It’s Quick, they are professionals, very helpful and they even provided me with education on real estate investing and give networking opportunities with their meet ups. This is an A+ company. Thank you to the owner Scott, my rep Alex and the entire, Hard Money Co. Team. Tracy Edwards.
reviewer image
5.0 stars
|
2 months ago
Reviewed by McFamBiz Enterprises
Closed another deal with The Hard Money Co! Honestly, they make the process too easy. I have been working with them for years because they treat you like a partner and not a fly by night deal.
reviewer image
5.0 stars
|
2 months ago
Reviewed by Jamie Carpenter
The experience from beginning to end was great! They were very easy to work with and could close on the property quickly. This was my 6th property that I have purchased through them. I would highly recommend The Hard Money Company!
reviewer image
5.0 stars
|
2 months ago
Reviewed by Tina uknow
Great service! worked with Alex who was very proactive and responsive. My first investment project, through Alex knowledge and skills I felt well seasoned as an investor.
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
|
5 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
|
5 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 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
|
6 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
|
a year 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
|
a month ago
Reviewed by Tracy Edwards
I was referred to, The hard money co. By my realtor Sonya Mays. I put in my application and the same day I received a call from one of their reps, Alex Coffman. He was very professional and listened to what my needs were as far as what type of property I was interested in purchasing. This rep got right on it. He sent me the list of what they needed from me immediately. I could hear in his voice he wasn’t feeling well so I asked. He explained to me he was working from home as he recovered from being sick. But when I tell you he didn’t miss a beat. He worked hard for me to get my loan closed within 30 days. The other staff as well were amazing. They worked as a team to help me get through the process. Now I am the proud owner of my first commercial building. Not only did they help with funding but they helped with getting insurance and locking in another lender to refinance out of the hard money loan after the rehab of the property is done. I will recommend the hard money co team to any and everyone trying to buy property. It’s Quick, they are professionals, very helpful and they even provided me with education on real estate investing and give networking opportunities with their meet ups. This is an A+ company. Thank you to the owner Scott, my rep Alex and the entire, Hard Money Co. Team. Tracy Edwards.
reviewer image
5.0 stars
|
2 months ago
Reviewed by McFamBiz Enterprises
Closed another deal with The Hard Money Co! Honestly, they make the process too easy. I have been working with them for years because they treat you like a partner and not a fly by night deal.
reviewer image
5.0 stars
|
2 months ago
Reviewed by Jamie Carpenter
The experience from beginning to end was great! They were very easy to work with and could close on the property quickly. This was my 6th property that I have purchased through them. I would highly recommend The Hard Money Company!
reviewer image
5.0 stars
|
2 months ago
Reviewed by Tina uknow
Great service! worked with Alex who was very proactive and responsive. My first investment project, through Alex knowledge and skills I felt well seasoned as an investor.
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
|
5 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
|
5 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 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
|
6 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
|
a year 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