Compare Hard Money Lenders for Fix & Flip
Find the best hard money lender for your next flip. Compare rates, terms, closing speed, and requirements side-by-side.
Featured Lenders
$350 cash bonus at closing
Kiavi
Leading hard money lender for residential fix & flip investors. Known for fast closings and competitive rates.
Interest Rate
9.5% - 12%
Points
1 - 3 pts
Closing Time
10-14 days
Max LTV
90%
Why Choose Kiavi
- Pre-approval in 24 hours
- Close in 10-14 days
- No income verification required
- Rehab draws funded in 2-5 days
Requirements
Min Credit: 660+
Min Loan: $100,000
Max Loan: $3,000,000
Experience: Flexible - works with new investors
$50 per completed application
New Silver
Tech-forward lender offering instant approvals and competitive terms for experienced investors.
Interest Rate
9.5% - 13%
Points
1.5 - 3.5 pts
Closing Time
5-10 days
Max LTV
90%
Why Choose New Silver
- Approval in under 5 minutes online
- Close in as fast as 5 days
- Fix & flip, rental, and ground-up construction
- Lower minimum loan amount
Requirements
Min Credit: 650+
Min Loan: $75,000
Max Loan: $5,000,000
Experience: Flexible
Full Lender Comparison
Compare all hard money lenders side-by-side
| Lender | Rate | Points | Max LTV | Closing | Min Credit | Loan Range | Apply |
|---|---|---|---|---|---|---|---|
Kiavi Featured | 9.5% - 12% | 1 - 3 | 90% | 10-14 days | 660 | $100,000 - $3,000,000 | Apply |
New Silver Featured | 9.5% - 13% | 1.5 - 3.5 | 90% | 5-10 days | 650 | $75,000 - $5,000,000 | Apply |
Lima One Capital | 10% - 13% | 2 - 4 | 90% | 14-21 days | 660 | $75,000 - $5,000,000 | - |
RCN Capital | 10.5% - 13.5% | 2 - 4 | 90% | 10-21 days | 620 | $50,000 - $2,500,000 | - |
Groundfloor | 7.5% - 14% | 2 - 4 | 75% | 14-30 days | 640 | $75,000 - $1,500,000 | - |
How to Choose a Hard Money Lender
Key Factors to Consider
- Total Cost: Compare rate + points. A higher rate with lower points may cost less for short holds.
- Closing Speed: If you need to close fast to win a deal, prioritize lenders with 10-14 day closings.
- Rehab Draws: How quickly does the lender fund draws? Slow draws kill your timeline and budget.
- Experience Requirements: New investors may need lenders that work with first-time flippers.
Questions to Ask Lenders
- What is the total cost (rate, points, fees) for my scenario?
- How quickly can you close? What could delay closing?
- How does the draw process work? How fast are draws funded?
- What are the extension fees if my project runs over?
- Is there a prepayment penalty?
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Analyze Your Fix & Flip Deal
Use our free calculators to analyze your deal before applying for financing.
We may earn a commission when you apply through links on this page at no extra cost to you. Rates and terms are subject to change. Always verify current terms with the lender.