Hard Money Loans Nationwide — Close in 5–10 Days
Blue Fox Capital provides fast, asset-based hard money loans for real estate investors across all 50 states. When speed and flexibility matter more than traditional bank requirements, our hard money programs get your deal funded in as little as 5 days.
Loan Highlights
- LTV: Up to 75%
- Loan Term: 6–24 months
- Closing Speed: 5–10 days
- Appraisal: Not required on select programs
- Property Types: Residential & Commercial
- Availability: All 50 states
- Minimum Credit: 600+
Why Choose Hard Money?
Hard money loans are asset-based — meaning we underwrite the property value, not your tax returns. This makes them ideal for investors who need to move quickly or have non-traditional financial profiles.
Ideal Use Cases
- Auction Purchases — Close fast enough to meet auction deadlines
- Competitive Markets — Beat out other buyers with speed-of-close advantage
- Bridge Financing — Short-term capital while you arrange permanent financing
- Fix-and-Flip — Acquire and renovate investment properties
- Credit Challenges — Flexible underwriting when banks say no
- Portfolio Expansion — Scale your holdings without W-2 income requirements
Property Types We Finance
- Single-family homes
- Multifamily (2–4 units and 5+ units)
- Commercial properties
- Fix-and-flip projects
- Investment properties
- 2nd trust deeds
Hard Money vs. Traditional Bank Loans
| Feature | Hard Money | Traditional Bank |
|---|---|---|
| Closing Time | 5–10 days | 30–60 days |
| Income Docs Required | No | Yes (tax returns, W-2s) |
| Credit Minimum | 600+ | 680+ |
| Appraisal | Not always required | Required |
| Underwriting Focus | Property value (asset-based) | Borrower income & credit |
| Flexibility | High | Low |
How It Works
- Apply — Submit your deal details online or call us
- Valuation — We review the property and structure your loan
- Approval — Fast underwriting with a decision in hours, not weeks
- Fund — Close in as little as 5 days
Get Your Hard Money Quote
Ready to move fast on your next deal? Call (310) 756-3619 or request your term sheet — we respond within 24 hours.
Get a Hard Money Loan Quote
Have a deal that needs fast funding? Tell us about your project and a loan advisor will respond within one business day.
Request a Quote | (310) 756-3619
Hard Money Loan FAQ
What is a hard money loan?
A hard money loan is an asset-based, short-term loan secured by real estate. Unlike conventional mortgages, approval is based primarily on the property value rather than the borrower’s income or credit history.
How fast can a hard money loan close?
Most hard money loans through Blue Fox Capital close in 5 to 10 business days, depending on property type and deal complexity.
What credit score do I need for a hard money loan?
Minimum credit scores typically start around 600, but the primary focus is on the property and your equity position rather than your credit profile.
Can I use a hard money loan for a fix-and-flip?
Yes. Fix-and-flip projects are one of the most common uses for hard money financing. We can also include rehab funds in the loan.