Did you know that if you’ve been turned down by a bank for a traditional mortgage, you still have options? If you’re ready to buy a property, your path to ownership doesn’t end just because a bank says “no.” Hard money loans are a great tool for real estate investors. At Brass Financial Group, we believe knowledge is power. If you’re wondering, “What is a hard money loan and can it help me make money?,” check out the article below where we break down the details.

Hard Money Basics

What is a hard money loan? It’s a type of asset-based financing that real estate investors use when they are looking to start a short-term project, like a fix and flip. Because the property is the collateral for the loan, the investor doesn’t need to have a perfect credit score to get their project rolling.

Benefits of a Hard Money Loan

The two biggest benefits of hard money loans are readily available funding and a simple application process. You can go from filling out an application to having cash in hand in as little as 7 days. And, we don’t care about your credit score, your employment status, or your income level – we provide funding based on the merits of your project.

When to Use a Hard Money Loan

Once you know the answer to “What is a hard money loan?,” there are several situations when it’s particularly beneficial to work with a hard money lender:

  • Purchasing a property for a fix and flip
  • Purchasing a property that’s been foreclosed upon
  • Rehabbing a property for rental income
  • Purchasing your dream home

Learn more about the best times to use a hard money loan.

Our Terms

Brass Financial Group offers competitive terms for hard money loans. We offer up to a 70% loan-to-value ratio on 1-2 year loans with rates between 10% and 14%.

What is a Hard Money Loan Going to do for You?

If you’re ready to make real money from real estate investments, a hard money loan could be the key to your new source of income. Now that you know what a hard money loan is, it’s up to you to select the best lender. Good lenders like Brass Financial Group are specialized and experienced. If you’re ready to get started, fill out an application today and one of our loan officers will be in touch with you shortly.

Join the Conversation


  1. I love that you mentioned that the hard money loan can be received in just 7 days after filling out an application. This is perfect for my cousin because he needs the money in such a short time. It is because he has to have the money for the surgery of his pet dog or else the disease might spread throughout its body. Thanks!

  2. I’m trying to find a good way to get money quickly. It makes sense that a hard money loan would be what I want! It’s nice that they can be so easy to apply for.

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