Hard Money Loans | Montserrat Capital Partners, LLC

Overview

Our Hard Money (aka private, bridge, or transitional) loans offer rapid access to capital for real estate investors who may not qualify for conventional financing. Underwritten primarily on the value of the collateral property—not personal credit—they are ideal for time-sensitive deals such as fix‑and‑flips, ground-up builds, or distressed acquisitions. These loans typically carry terms of 6 to 36 months, higher interest rates (8–15%+), and origination fees based on the loan amount or ARV.

Key Benefits

These loans are ideal for distressed or renovation-heavy properties that traditional lenders might reject due to condition or location.

Fast Approval & Funding

Hard money loans can fund in days—sometimes even minutes—ideal for competing on time-critical deals.

🔓 Minimal Credit & Income Requirements

Approval is based on property value and future potential. Lenders place little emphasis on credit score or income documentation.

Stats & Charts

Hard money loans are gaining popularity among real estate investors for their speed, simplicity, and asset-based approval. This section highlights key performance metrics, borrower trends, and industry averages to help you understand how hard money loans compare to traditional financing.

By focusing on short-term loan structures, interest rates, loan-to-value (LTV) ratios, and common use cases—such as fix-and-flip projects or bridge financing—these stats provide a clear snapshot of the hard money landscape. Whether you're a seasoned investor or exploring alternative financing for the first time, these insights can help you make informed, strategic decisions.