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

When conventional lenders say no — because of your credit, your income structure, or simply because they move too slow — hard money is the answer. At Onyx Capital Lending, we've funded over $300 million in real estate investor loans since 2016. We lend on the asset, not the borrower. If the property makes sense, we make the loan.

What Is a Hard Money Loan?

A hard money loan is a short-term, asset-based loan secured by real property. Unlike bank loans that evaluate your credit score, employment history, and tax returns, hard money lenders evaluate the property itself — its current value, its potential value, and the strength of your exit strategy.

Hard money is fast, flexible, and built for investors who move quickly in competitive markets.

When Do Real Estate Investors Use Hard Money?

✅ Buying a distressed property that banks won't touch

✅ Closing fast before another buyer takes the deal

✅ Credit is damaged but the deal is solid

✅ Self-employed with complex or reduced taxable income

✅ Conventional financing denied due to property condition

✅ Bridge financing between two transactions

✅ Fix and flip projects needing rehab funds

✅ Foreign nationals investing in US real estate

✅ Investors who need capital fast without red tape

Onyx Capital Lending Hard Money Loan Highlights

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

The #1 Reason Investors Choose Hard Money: Speed

In real estate investing, the deal goes to whoever closes first. Hard money gives you the speed of cash — without needing cash.

While a bank is still collecting your W-2s, we've already closed your deal.

Our average close time: 14 days.
Our fastest close: 7 days.
Your bank's average close time: 45–60 days — if they approve it at all.

How the Hard Money Process Works

Step 1 — Tell Us About the Deal
Property address, purchase price, current condition, your exit strategy (sell, refinance, rent). That's all we need to get started.

Step 2 — Same-Day Decision
We review the deal, run the numbers, and give you a term sheet fast. No waiting weeks for a committee to decide.

Step 3 — Appraisal
We order a quick appraisal to confirm value. Straightforward properties can close within days of appraisal completion.

Step 4 — Close
Sign, fund, close. You get the keys. We handle everything from commitment letter to wire.

Step 5 — Execute Your Strategy
Renovate and flip it. Refinance into a long-term DSCR loan. Sell. Whatever your exit — we structured the loan around it from day one.

Common Hard Money Loan Scenarios We Fund

Distressed Property Purchase
A bank won't lend on a property with a damaged roof, no functioning kitchen, or code violations. We will — because we're valuing the asset's potential, not its current condition.

Competitive Market Close
You found the perfect investment property and the seller wants to close in 10 days. Your bank needs 45. Hard money closes in 7–14.

Credit Event Recovery
A past foreclosure, short sale, or bankruptcy doesn't disqualify you from hard money. We look at the deal — not your history.

Bridge Between Transactions
You're selling one property but need to close on the next one before the first sale completes. Hard money bridges that gap cleanly.

Foreign National Investors
No US credit history or tax returns? No problem. We lend to foreign nationals on US investment properties regularly.

Hard Money Loan FAQ

What's the difference between hard money and a conventional mortgage?
Conventional mortgages take 45–60 days, require full income documentation, and won't lend on distressed properties. Hard money closes in days, requires no income verification, and lends on properties banks won't touch. The tradeoff is a higher interest rate — but for a 6-month flip, that cost is minor compared to the profit.

Does my credit score matter?
Less than you'd think. We use a minimum credit score guideline, but deal strength, property value, and your exit strategy carry far more weight than a number. Deals get funded every day with credit scores that conventional lenders would reject outright.

Can I get a hard money loan for my primary residence?
No — hard money loans are for business and investment purposes only. We do not offer consumer loans for owner-occupied properties.

What happens if I need more time to complete my project?
We offer extensions on a case-by-case basis. Reach out before your loan matures — we'd rather extend than foreclose.

How do you determine the loan amount?
We lend based on the lower of your purchase price or the appraised value, up to 75% LTV. For fix and flip, we also consider the After Repair Value (ARV).

Can I pay off the loan early?
Yes — early payoff is always available. Check your specific loan terms for any prepayment considerations.

Do you lend on raw land?
In some cases, yes. Land loans are evaluated case by case. Contact us with the details.

Why Onyx Capital Lending

We're not a marketplace. We're not a broker sending your file to 10 lenders hoping one bites. We are the lender. When you work with Onyx Capital Lending, you work directly with the decision-maker.

Richard Morency has been funding investment property deals since 2016. He's seen every deal type, every market condition, and every borrower situation. When you call Onyx, you're talking to someone who can say yes.

$300M+ funded since 2016

Licensed in 48 states

Direct lender — no middlemen

Fast decisions, faster closings

Hundreds of investor relationships across the country

Get Funded Fast

If the deal makes sense, we can move. Don't let a slow lender cost you the property.