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.
New Construction Hard Money Loans
Ground-up construction financing for experienced builders and developers.
Land + construction financing
Up to 90% LTC for qualified builders
12–18 month terms
Interest-only payments
Builder-friendly draw schedules
Practical underwriting based on real construction timeline
DSCR Refinance Loans
Long-term rental financing for stabilized, income-producing properties transitioning out of hard money.
DSCR-based approvals
30-year fixed, ARM, or hybrid options
Cash-out or rate-and-term refinances
No tax returns or income verification
Portfolio loans available
Commercial & Multifamily Hard Money Loans (Selective)
Bridge and value-add hard money financing for experienced multifamily sponsors executing disciplined business plans on 5–50 unit properties.
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Ready to Fund Your Next Deal?
If you’re an experienced investor looking for a hard money lender who understands execution, timelines, and capital efficiency, we’re ready to work with you.
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.