Close Anywhere in the U.S. in as Little as 7 Days. No Tax Returns. No Credit Score Minimums. The Deal Is What Matters.

When traditional lenders hesitate — whether because of your credit, income structure, or slow processes — Onyx Capital Lending provides nationwide hard money solutions. Since 2016, we've funded over $300 million in real estate loans across multiple states. We focus on the property’s value, not your credit history. If the asset makes sense, so do we.

What Is a Nationwide Hard Money Loan?

A nationwide hard money loan is a short-term, asset-based loan secured by real estate anywhere in the U.S. Unlike banks that rely on credit scores, employment verification, and tax documentation, our lenders evaluate the property’s current and potential value plus your exit plan.

Hard money loans from Onyx are quick, flexible, and designed for investors who act fast in competitive markets across the country.

When Should Real Estate Investors Use Nationwide Hard Money?

✅ Purchasing distressed properties that traditional lenders won’t finance

✅ Closing quickly to secure deals nationwide before others act

✅ Having damaged credit but strong real estate deals

✅ Being self-employed or having complex income sources across states

✅ Facing financing denials due to property condition

✅ Bridging financing gaps between multiple national transactions

✅ Funding fix and flip projects in any U.S. market

✅ Foreign nationals investing in U.S. real estate anywhere

✅ Needing fast capital nationwide without the usual red tape

Highlights of Onyx Capital Lending Nationwide Hard Money Loans

FeatureDetailsLoan Amounts$75K – $10M+Loan-to-Value (LTV)Up to 75% of current value or ARVLoan Term6 – 24 monthsClose InAs fast as 7 daysCredit ScoreFlexible — deal strength matters moreNo Tax Returns✅ Never requiredNo W-2 or Pay Stubs✅ Never requiredProperty TypesResidential, Multifamily, Commercial, Mixed-Use, LandBad Credit✅ Considered — asset-based underwritingLLCs & Entities✅ AcceptedForeign Nationals✅ WelcomeAvailable In48 States Nationwide

The #1 Reason Investors Choose Onyx Nationwide Hard Money: Speed

In real estate investing nationwide, the deal goes to whoever closes first. Our hard money loans offer the speed of cash—without needing actual cash upfront.

While banks compile paperwork, we expedite your funding coast to coast.

Our average nationwide close time: 14 days.
Fastest close time: 7 days.
Banks’ typical close: 45–60 days or more, if approved.

How the Nationwide Hard Money Process Works

Step 1 — Tell Us About Your Nationwide Deal
Provide the property address, purchase price, condition, and your exit strategy (sell, refinance, rent) anywhere in the U.S.

Step 2 — Get a Same-Day Decision
We analyze your deal quickly and send you a term sheet—no weeks-long committee approvals.

Step 3 — Appraisal
We order a fast appraisal to confirm value. Simple deals can close days after appraisal.

Step 4 — Close & Fund
Sign paperwork, receive funds, and get the keys, no matter the state.

Step 5 — Execute Your Plan
Flip, refinance to DSCR loans, or rent your property—the loan is structured around your strategy nationwide.

Common Questions About Nationwide Hard Money Loans

Contact us to discuss your property and learn how Onyx Capital Lending can fund your deals across the country.