How to write a hard money loan into a cash-equivalent offer purchase contract?

[Kwok Wong]

Hi guys, 

There's a on market sfh for sale, and the seller wants real cash offer. They rejected our verbal hard money loan offer. 

My question is, how do I and my agent to write a purchase contract and absolutely transform a hard money loan into a cash-equivalent offer in the seller's eyes? 

And I want to hear all you guys' thought about this whether it's ethical. 

Thanks, 
Kwok