Real estate investors need fast, flexible financing to seize opportunities before the competition. Traditional banks often have long approval processes, strict credit requirements, and excessive paperwork, making them a poor fit for investors needing quick funding. That’s where hard money loans come in.
At GreenBridge Loans, we specialize in hard money loans designed for real estate investors looking to acquire, renovate, or refinance investment properties. Whether you're flipping a property, purchasing a rental, or securing short-term bridge financing, our fast approval process ensures you close deals without delay.
In this guide, we’ll cover everything you need to know about securing a hard money loan for investment property — including the benefits, eligibility requirements, and step-by-step process to get funded fast.
What Is a Hard Money Loan?
A hard money loan is a short-term real estate loan secured by the property itself rather than the borrower’s creditworthiness. These loans are ideal for fix-and-flip projects, bridge financing, rental purchases, and investment property refinancing.
At GreenBridge Loans, our hard money loans provide:
Loan amounts from $75,000 to $30,000,000
Fast funding in 5–15 days
Up to 75% of the property’s value (LTV)
Flexible credit score requirements
12 to 36-month terms, perfect for short-term investments
Unlike traditional lenders, we focus on asset-based lending, which means your property’s value matters more than your credit score. That’s why investors turn to us for fast, flexible financing without banking delays.
Benefits of Using a Hard Money Loan for Investment Property
Investors choose hard money lending for a reason—it’s fast, straightforward, and designed for real estate professionals looking to capitalize on opportunities.
1. Speed Matters: Close Deals Faster
Traditional financing can take weeks or months to approve and fund. With GreenBridge Loans, you get approved in 1-2 days, so you never miss out on a lucrative deal.
2. Less Red Tape, More Flexibility
We don’t require extensive income verification or years of tax returns. Our hard money loans are asset-based, so if the property qualifies, we move forward—fast.
3. Fund Fix-and-Flips and Value-Add Projects
Many banks won’t finance distressed properties, but hard money loans are perfect for fix-and-flip investors needing funds for both purchase and renovation.
4. No Minimum Credit Score for Larger Deals
For loans over $250,000, no minimum credit score is required. If your deal makes sense, we make it happen. For loans under $250,000, a 680+ credit score is required.
5. Invest in Multiple Properties
Unlike traditional financing, hard money loans allow investors to leverage multiple properties simultaneously, maximizing profitability.
Eligibility & Loan Requirements
Not every deal qualifies for hard money financing. At GreenBridge Loans, we offer fast financing with clear eligibility requirements for real estate investors.
Loan Terms & Requirements:
✔ Loan Amounts: $75,000 – $30,000,000
✔ Credit Score: No minimum for loans above $250K; 680+ for loans under $250K
✔ LTV: Up to 75% of property value (65% for lower credit scores)
✔ Loan Term: 12 – 36 months
✔ Funding Timeline: 5–15 days
✔ Property Types: Single-family, condos, townhouses, 2-4 unit, multifamily, mixed-use, commercial (retail, office, warehouse)
✔ Loan Purpose: Fix & Flip, Bridge Financing, Rental Purchase, Refinance
Eligible States
We lend in the following states: Alabama, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Maine, Maryland, Massachusetts, Michigan, Missouri, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Virginia, Washington, Wisconsin, and Washington D.C.
If your investment property is in one of these states, you can secure fast funding with GreenBridge Loans.
How to Get a Hard Money Loan: Step-By-Step Process
Getting funded with GreenBridge Loans is quick and hassle-free. Follow these steps to apply for your hard money loan and secure investment property financing fast.
Step 1: Submit Your Application
Start by applying online with basic details about your investment property—location, purchase price, value, and loan amount requested. The application takes just minutes to complete.
Step 2: Provide Property Details
Unlike banks, we don’t scrutinize your personal finances. Instead, we focus on the property’s value and investment potential. Provide any supporting documents, such as a purchase contract, renovation budget, or recent appraisal.
Step 3: Get Approved in Days
We review your application quickly—often within 24 to 48 hours. Our underwriters assess your deal and provide a loan offer with competitive terms.
Step 4: Close and Get Funded
Once approved, we finalize your loan documents and fund within 5–15 days. You’ll have the capital needed to acquire, renovate, or refinance your investment property—fast.
Common Use Cases for Hard Money Loans
Hard money loans are ideal for real estate investors with short-term financing needs. Here’s how investors use them:
Fix-and-Flip Investments
Flippers use hard money loans to purchase distressed properties, renovate them quickly, and resell for profit. With flexible LTV and fast funding, investors can complete multiple flips annually.
Bridge Financing
When investors need to purchase a new property before selling an existing one, a bridge loan provides temporary financing without delays.
Rental Property Purchases
Investors use hard money loans to acquire rental properties, then refinance into long-term financing once stabilized.
Cash-Out Refinancing
Need to leverage equity? Hard money loans allow investors to pull cash from existing properties for reinvestment in new deals.
Frequently Asked Questions (FAQs)
Is a Hard Money Loan Worth It?
Yes—if you need fast, short-term financing to acquire, renovate, or refinance an investment property, a hard money loan is the best solution.
How Fast Can I Get Approved?
At GreenBridge Loans, approvals happen in as little as 24 hours, and funding arrives within 5–15 days. Traditional banks take weeks or months—we don’t.
What If My Credit Score Is Low?
We focus on the property’s value, not your personal credit. There’s no minimum credit score for loans over $250K. For deals under $250K, a 680+ score is required.
Do Hard Money Loans Cover Renovation Costs?
Yes—our loan structure allows investors to finance both property acquisition and rehab costs, making it easy to complete a fix-and-flip or value-add project.
What Happens at the End of the Loan Term?
You can sell the property, refinance, or renew the loan if necessary. Our goal is to provide the funding needed to maximize your investment returns.
Apply Now and Secure Your Next Investment
Real estate deals move fast—if you wait for a traditional loan, you’ll miss opportunities. GreenBridge Loans funds hard money loans in days, not weeks, so you can grow your portfolio without delay.
Whether you’re flipping a house, financing a new rental, or securing short-term bridge financing, we’re here to help. Apply now and get pre-approved fast—your next deal won’t wait!
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