APPLY NOW FOR
HARD MONEY LOAN
A Hard Money Loan is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. These loans are typically issued by private investors or companies.
How Do Hard Money Loans Work?
Hard Money Loans are short-term loans secured by real estate. Unlike conventional loans from banks or credit unions, these are funded by private investors or investment groups.
Typical Term: ~12 months (can extend to 2–5 years)
Purpose: Commonly used for fix-and-flip projects or time-sensitive real estate investments
Interest Rates & Terms
Interest Rate: 7.5% – 15%
Term: 3 to 36 months
Points to Close: 2% – 10% of loan amount
Pricing Factors: Risk level, property equity, borrower experience
APPLY NOW FOR
HARD MONEY LOAN
A Hard Money Loan is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. These loans are typically issued by private investors or companies.
How Do Hard Money Loans Work?
Hard Money Loans are short-term loans secured by real estate. Unlike conventional loans from banks or credit unions, these are funded by private investors or investment groups.
Typical Term: ~12 months (can extend to 2–5 years)
Purpose: Commonly used for fix-and-flip projects or time-sensitive real estate investments
Interest Rates & Terms
Interest Rate: 7.5% – 15%
Term: 3 to 36 months
Points to Close: 2% – 10% of loan amount
Pricing Factors: Risk level, property equity, borrower experience
Qualify for a Hard Money Loan
1
Present the potential value of the property you want to purchase.
2
Present a clear financial plan for your home project.
3
Prepare additional documentation.
4
Protect yourself legally.
5
Remain in constant contact with your lender.
Qualify for a
Hard Money Loan
1
Present the potential value of the property you want to purchase.
2
Present a clear financial plan for your home project.
3
Prepare additional
documentation.
4
Protect yourself legally.
5
Remain in constant contact
with your lender.
What Our Clients Are Saying
What Our Clients
Are Saying
“I was overwhelmed trying to secure funding for my small business. BJ Lending didn’t just hand me a checklist—they actually listened. They explained everything clearly and got me approved faster than I expected. It felt like they were in my corner the whole time.”
– Jada M., Boutique Owner
“Honestly, I didn’t know where to start. Their team walked me through each step without making me feel dumb for asking questions. The process was smooth, and I had the funds I needed within a couple of days. Super grateful.”
– Samantha S., Independent Contractor
“We needed fast financing to grab a last-minute investment opportunity. BJ Lending delivered. They were responsive, professional, and got it done with no drama. I’ll be coming back for our next deal”
– Marcus T., Real Estate Investor
“We needed fast financing to grab a last-minute investment opportunity. BJ Lending delivered. They were responsive, professional, and got it done with no drama. I’ll be coming back for our next deal”
– Marcus T., Real Estate Investor
Contact Us Today!
We’re here to help you move forward, whether you’re ready to apply, have a quick question, or want to speak with a lending expert.
Let’s talk financing that works for you.
Contact Us Today!
We’re here to help you move forward, whether you’re ready to apply, have a quick question, or want to speak with a lending expert.
Let’s talk financing that works for you.
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Empowering individuals and businesses through access to funding and financial growth tools.
Copyright 2025 All Rights Reserved
Empowering individuals and businesses through access to funding and financial growth tools.