Hard Money Loans

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What Is a Hard Money Loan? A hard money loan is based on “hard” assets, like real estate. These loans are designed to be short-term loans, usually extending for around 6-12 months and are often the ideal solution for real estate investment projects.

Because the loan is secured by real property, the state of your credit, while important, is less critical. The property’s location, total value, and available cash assets or pledged real estate collateral can offset less-than-perfect credit.

Hard Money loans differ from conventional loans in several ways. The loan amount is based on the After Repair Value rather than on the value of the property as is. Repayment is not structured on amortization, but on simple interest-only payments. Then at the end of the term, you pay the principal in a lump sum.

Why Use Hard Money Loans?

There are many situations where hard money loans can be ideal for investors, including:

  • Securing financing very quickly
  • Conservation of capital/no big down payments
  • Properties that need renovation and don’t qualify for traditional loans as is – perfect for fix and flip loans.
  • Land loans or construction loans

For more information on Hard Money, see our Investment Property blogs and Investment Property FAQs.

Zeus Loans Are The Right Solution

Our Loan Specialists have analyzed countless investment deals. We’re happy to help you find just the right solution.


We Carefully Balance Opportunity & Responsibility with Credibility & Transparency ™

Armed with all the facts of your circumstance and situation, we work with you to structure the best financing fit for you.

100% Satisfaction–Our Extreme Guarantee

Our Loan Specialists have analyzed countless investment deals. We’re happy to help you find just the right solution.

The Super-Simple Application™ takes fewer than 3 minutes to complete. A knowledgeable Loan Specialist will contact you right away, help you with any questions, and assist you in making the best choice. There’s no obligation on your part. The only obligation is our obligation to ensure you are 100% satisfied with our service.

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Funding Guidelines
Residential Investment Properties

6-60 Months based on qualifications & project

Up to 80% ARV (After Repair Value)

  • Funding Amounts$2,500 – $5,000,000
  • Pre-Payment PenaltyNone
  • Lien Position1st
  • Time to Funding5-10 Business Days (Standard)
  • Fast Track FundingAs Few As 4 Days

Funding Use

Purchase | Refinance | Renovation | Bridge

Win For You

We fund real estate projects quickly so you can focus on what you do best…the project.


Win For Us

We are the first to have a stake in every approved project. We are fully aligned with your interests and invested in your success