Real Estate Hard Money Loans: Fast Capital, Clear Terms

1. When Time Kills Deals

Distressed sellers, foreclosure auctions, and flash-sale opportunities don’t wait for a bank’s three-week underwriting queue. You need the cash yesterday, full stop. Conventional lenders demand tax transcripts, seasoning, and pristine credit. Hard money fills the gap—asset-backed, speed-driven, priced to match the risk. Miss the closing date and the property slips to the next bidder. That’s the brutal reality.

2. Capital Blueprint That Keeps Pace

Financely Group structures a layered stack that releases funds in sync with the project timeline—acquisition, rehab, and exit. We match each tranche to the collateral’s evolving value and your renovation milestones so you’re never stuck with idle interest expense or starved of drawdown flexibility.

• Day-One Acquisition Advance – Up to 75 % of purchase price wired within days once the title report clears.
• Rehab Reserves – Construction draws triggered by third-party inspections (dry-wall up? funds released).
• Interest-Only Bridge – Monthly servicing protects operating cash flow until the refi or flip closes.
• Exit Financing – Forward-takeout commitments with DSCR lenders so you aren’t scrambling for plan B.

3. Financing Tools on the Table

• Bridge Loans – Six- to eighteen-month terms, 9–14 % coupon, points baked upfront—no hidden junk fees.
• Ground-Up Construction Lines – Interest accrues only on drawn funds; we cap leverage at 70 % of completed value to keep everyone honest.
• Cross-Collateral Blanket Loans – Multiple properties under one note for borrowers chasing bulk discounts.
• Mezzanine Splits – Sub-debt behind a senior bank facility for investors squeezing extra leverage without giving up equity.
• Gap Equity Notes – Short-term second-position capital that plugs last-mile cash shortages between appraisal and closing.

4. Engagement Protocol

• Quick Look – Purchase contract, rehab budget, and exit strategy land in our inbox for a same-day go/no-go.
• Mandate – Engagement letter signed; site-visit deposit wired.
• Due Diligence – Title pull, lien search, scope-of-work validation, and contractor background check. No fluff, just facts.
• Term Sheet – Lender panel runs the numbers; we hammer out LTV, rate, and points.
• Funding – Docs signed, wire hits escrow, you take the keys.
• Draw Monitoring – Inspector photos upload to the portal; funds release within 48 hours.

5. Why Borrowers Call Us First

• Direct line to private credit funds, family offices, and specialist lenders that live and breathe real-estate paper.
• Deal teams forged in markets from Miami condos to Detroit multifamily; we’ve seen every busted pipe and blown budget.
• Success fee tied to funding—no endless retainers eating your margin.
• Digital workspace lets you track term-sheet negotiations, inspection reports, and draw requests in real time.

6. Deal Breakers That Blow Up Closings

• Inflated ARV comps that crumble when the appraiser walks the block.
• Undisclosed code violations the city slaps on the property two days before closing.
• Contractor bids scribbled on napkins—lenders shred them on sight.
• Borrowers banking on rate-and-term refis with shaky credit scores; exit falls apart, interest clock keeps ticking.

Financely Group provides structuring and risk-management services; we are not a deposit-taking institution. All mandates require KYC, sanctions screening, and an advisory retainer. Arrangement of loans or credit facilities remains subject to third-party approval and executed documentation. Misrepresentation triggers immediate termination and reporting under AML & CTF regulations.