Private Lending · Nationwide
Hard Money Lender for Real Estate Investors
Direct Fund USA is a direct hard money lender offering fast, flexible financing for fix & flip, ground-up construction, bridge, and foreclosure bailout loans. We close in 7–10 days with no income verification and no junk fees.
9.5%
Rates from (interest only)
7–10
Days to close
$50K–$3M
Loan amounts
35+
States served
What Is a Hard Money Loan?
A hard money loan is a short-term, asset-based loan secured by real property. Unlike conventional mortgages that rely heavily on credit scores and income documentation, hard money lenders evaluate deals primarily on the value of the collateral — the property itself.
This makes hard money loans the go-to financing tool for real estate investors who need to move quickly, can't qualify for bank financing, or are purchasing properties that don't meet conventional lending standards (distressed condition, mid-renovation, or new construction).
Direct Fund USA is a direct lender, which means faster decisions, fewer fees, and a single point of contact from application to closing. We also work with brokers! Deals that are not a fit for our guidelines, can be brokered out to external capital providers, after borrowers agrees with us on terms.
Close in 7–10 Days
No Income Verification
Nationwide Coverage
Direct Lender — No Broker Fees
Hard Money Loan Programs
We offer four core hard money loan programs designed for the most common real estate investment strategies.
Fix & Flip
Short-term financing for investors purchasing distressed properties to renovate and resell. We fund up to 90% LTC with draws released as work is completed.
- Up to 90% LTC
- 12–18 month terms
- Interest-only payments
- Draws on rehab budget
Ground-Up Construction
New construction financing for residential builders and developers. Funds are disbursed in stages tied to construction milestones.
- Up to 75% LTC
- Lot + construction combined
- Draw schedule financing
- SFR and small multifamily
Bridge Loans
Short-term bridge financing to acquire or stabilize a property while arranging permanent financing. Ideal for time-sensitive purchases.
- Up to 75% LTV
- 6–24 month terms
- Fast closings
- Light rehab OK
Foreclosure Bailout
Rescue financing for borrowers facing foreclosure who need to pay off a defaulted loan quickly. We can close in days when needed.
- Urgent closings
- Nationwide coverage
- No seasoning required
- All property conditions
Who Qualifies for a Hard Money Loan?
Our hard money loans are designed to be accessible. Here's what we look for — and what we don't require.
- No minimum credit score required on most programs (660 preferred)
- No income verification — asset-based lending
- Foreign nationals welcome
- First-time investors considered
- No prepayment penalty on most loans
- Only upfront fee is the appraisal ($650–$950; $500 desktop credited back)
Hard Money Loans in Your State
We lend in 35+ states nationwide. Below are some of the markets where we actively fund deals. Don't see your state? Contact us — we likely lend there too.
We do not currently lend in Nevada, Arizona, Utah, North Dakota, or South Dakota.
Hard Money Loan FAQs
What is a hard money loan?
A hard money loan is a short-term, asset-based loan secured by real estate. Unlike conventional mortgages, hard money lenders like Direct Fund USA base approval primarily on the value of the property — not the borrower's income or credit score. This makes hard money loans ideal for real estate investors who need fast, flexible financing.
How fast can Direct Fund USA close a hard money loan?
We typically close hard money loans in 7–10 business days. For urgent situations like foreclosure bailouts, we can move even faster. Our streamlined process and in-house underwriting eliminate the delays common with institutional lenders.
What states does Direct Fund USA lend in?
We lend nationwide with the exception of Nevada, Arizona, Utah, North Dakota, and South Dakota. We have funded deals in over 35 states including Texas, Florida, Georgia, Ohio, Alabama, Connecticut, New Jersey, Louisiana, and Arkansas.
What are your hard money loan rates?
Our hard money loan rates start at 9.5% interest only, with 1.5% origination. Exact pricing depends on the property type, loan-to-value, borrower experience, and market conditions. We do not charge junk fees — the only upfront cost is the appraisal.
What property types do you finance?
We finance single-family residences (SFR), 2–4 unit properties, and small multifamily. We also lend on properties in distressed condition, mid-renovation, and new construction. We do not lend on raw land except in the Southeast.
Do I need experience to get a hard money loan?
No. We work with first-time investors as well as seasoned professionals. For fix-and-flip loans, some experience is preferred but not required. We evaluate each deal on its merits.
What is the maximum loan amount?
Our hard money loans range from $50,000 to $3,000,000. For larger deals or portfolios, contact us directly to discuss options.
Ready to Close Your Next Deal?
Submit your loan request today and get a same-day response from our lending team. No obligation, no junk fees.
Apply for a Hard Money Loan