Find your next Hard Money Lender

A curated directory of vetted private lenders, hard money providers, and DSCR rental lenders actively funding house flips, new construction, and buy-and-hold portfolios across all 50 states.
Nationwide

Lender Coverage

25

Nationwide Lenders

54

Local Lenders

Find hard money and private lenders by the state where your next deal is located. Each state page includes active local lenders, nationwide platforms serving that market, typical rates and terms, and the local foreclosure framework relevant to your deal timeline.

Nationwide Institutional Giants

The largest, most heavily capitalized lenders in the country, funding high volumes of deals with competitive rates and standardized loan programs.
Lender
Loan Types
Rates
Coverage
Rating

Kiavi

Pittsburgh, Pennsylvania
Flip
Bridge
DSCR
Constr
6.62% to 12.45%
Nationwide (except Utah)

RCN Capital

South Windsor, Connecticut
Flip
Bridge
DSCR
Constr
9.49% to 13.00%
44 States (excl. AK, ND, SD, VT, NV, UT)

Lima One Capital

Greenville, South Carolina
Flip
Bridge
DSCR
Constr
6.25% to 12.10%
47 States + DC

LendingOne

Boca Raton, Florida
Flip
Bridge
DSCR
Constr
Contact for Rates
46 States + DC (excl. AK, NV, ND, SD)

CoreVest Finance

Irvine, California
Flip
Bridge
DSCR
Constr
Contact for Rates
45 States + VT over $1M
Flip
Bridge
DSCR
Constr
9.90% to 12.90%
45 States + DC

Groundfloor Lending

Atlanta, Georgia
Flip
Bridge
Constr
9.00% to 15.00%
32 States

Anchor Loans

Thousand Oaks, California
Flip
Bridge
Constr
8.00% to 13.00%
48 States + DC

Upright Lending

Cleveland, Ohio
Flip
Bridge
DSCR
Constr
Contact for Rates
Nationwide

i Fund Cities

Philadelphia, Pennsylvania
Flip
Bridge
DSCR
Constr
9.5% to 12.0%
44 States (Nationwide)

Mid-Market National and Regional Lenders

Well-capitalized mid-market, regional lenders that balance competitive pricing with common-sense underwriting and faster decision-making.
Lender
Loan Types
Rates
Coverage
Rating

MoFin Lending

New York, New York
Flip
Bridge
DSCR
Constr
11.00% to 16.00%
34 States

Park Place Finance

Austin, Texas
Flip
Bridge
DSCR
Constr
9.99% to 12.99%
48 States + DC (excl. AK, ND, SD for short-term)

Dunmor

Los Angeles, California
Flip
Bridge
DSCR
Constr
6.75% to 12.00%
Nationwide

Casa Lending

Cleveland, Ohio
Flip
Bridge
DSCR
Constr
8.00% to 11.00%
46 States excl. NV, VT, ND, SD
Flip
Bridge
10% to 13%
20 States

Certain Lending

Seattle, Washington
Flip
Bridge
DSCR
Constr
5.75% to 11.75%
42 States + DC (excl. HI, IL, NV, ND, SD, UT, VT, WV)

Conventus

San Francisco, California
Flip
Bridge
DSCR
Constr
9% to 12.99%
45 States (excl. NV, ND, SD, MN, WV, IA)

Capital Funding Financial

Boca Raton, Florida
Flip
Bridge
DSCR
Constr
6.50% to 12.49%
Nationwide

Crebrid

Plano, Texas
Flip
Bridge
DSCR
Constr
7.73%+
26 States
Flip
Bridge
11% to 12%
Nationwide (Some Restrictions)

RBI Private Lending

Miami, Florida
Flip
Bridge
DSCR
Constr
8.5%+
Nationwide - FL Primary

KC Investor Funding

Kansas City, Missouri
Flip
Bridge
DSCR
9% to 15%
44 States (excl. AZ, ID, MN, NV, ND, SD, WI)

KECO Capital, LLC

Honolulu, Hawaii
Flip
Bridge
DSCR
Constr
6.25% to 13%
46 States (excl. ID, ND, SD, VT)

Gelt Financial

Boca Raton, Florida
Flip
Bridge
Contact for Rates
39 States + DC

Ternus

Charlotte, North Carolina
Flip
Bridge
DSCR
9.5%+
39 States
Funding Education

New to Hard Money Lending?

Before you reach out to a lender, learn how house flipping financing actually works, from choosing the right loan to spotting the red flags of a bad lender.
Weigh using your own cash against financing, and see how the right choice changes how fast you can scale.
Weigh using your own cash against financing, and see how the right choice changes how fast you can scale.
The due diligence checklist every investor should run before wiring a single dollar to a lender.
A start-to-finish breakdown of loan terms, rates, underwriting, and how rehab draws actually work.
How ground-up construction financing works, from milestone draw schedules to the experience lenders expect from builders.
How to refinance out of your bridge loan and into a long-term rental, including seasoning and DSCR ratios.
Local banks, private money, crowdfunding, and HELOCs, options worth knowing when hard money isn't the fit.