HARD MONEY LOAN PROGRAMS
Asset-based capital designed for speed and execution.
Fix & Flip Hard Money Loans
Short-term hard money financing for investors purchasing, renovating, and reselling residential properties.
Ideal For: Investors acquiring distressed or value-add single-family homes to renovate and flip.
Up to 85–90% of purchase price
Up to 100% of rehab budget (funded through fast draws)
6–12 month terms
Interest-only payments
Same-day or next-day draw approvals
Fast closings to compete with cash buyers
Why It Works:
This program is structured around real renovation timelines, inspection realities, and contractor workflows — keeping flips on schedule and profitable.
BRRR & Value-Add Hard Money Loans
Hard money financing built specifically for investors executing the Buy, Rehab, Rent, Refinance strategy.
Acquisition & Rehab Hard Money Loan
Up to 85–90% of purchase price
Up to 100% of rehab budget
6–12 month interest-only terms
Fast funding for competitive acquisitions
Simple, fast draw process
DSCR Refinance Loan
30-year fixed or ARM options
DSCR-based qualification (no personal DTI)
Cash-out available
Portfolio or single-property refinances
Why It Works:
Fast hard money during rehab, followed by predictable DSCR refinancing — designed to help investors recycle capital and scale efficiently.
The Republic Lending Co. is a hard money lender providing fast, asset-based financing for active real estate investors — including fix-and-flip operators, BRRR investors, builders, and experienced multifamily sponsors.
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