FEATURED HARD MONEY LENDERS
 | ACC Mortgage WE ARE THE LENDER! We can do owner-occupied loans in most states. Residential & Commercial Lending To 80% |  Learn More – Contact 800-995-2226 |
 | Oakview Home Loans LLC * Bank statement Loans * DSCR Stated income investor loans * True NO DOC loans available. NO DOC/HARD MONEY * ALTERNATIVE FINANCING * REHAB LOANS * LOANS UP TO 20 MILLION GUARANTEED !! | Learn More – Contact 202-821-3715 |
 | AAMG I have a “warehouse” full of hard/soft money capital to loan to you or your clients right now. Lots of deals fail when borrowers aren’t represented properly.. so we quickly assess your deal for its best shot. We have done deals even when a hard money lender turned down. | Learn More – Contact 801-878-4759 |
 | Insula Capital Group is a hard money and commercial lender led by a team of property flippers and investors with decades of hands-on experience under our belt! We lend nationwide and underwrite in-house for closings as fast as 72 hours! Never get caught waiting on the funding you need again! First time investors are welcomed! | Learn More – Contact 855-434-4633 |
 | Loan Mac We normally close with NO APPRAISAL We can CLOSE IN DAYS with minimal paperwork Most Property types Most loan purposes fix and flip, buy/hold, reposition, construction We can handle last minute Non-QM, bank, or hard money fallout | Learn More – Contact 909-437-4345 |
 | BANC Mortgage We are the BANK and lend in all 50 states. Many loans are bankable if structured correctly. Let our experts examine your situation. | Learn More – Contact 925-231-8111 x100 |
NATIONWIDE HARD MONEY LENDERS
 | Barrett Financial Providing “No Income” Mortgage Solutions Nationwide For Residential & Commercial Property | SUBMIT LOAN SCENARIO |
 | Guardian Nationwide Commercial Mortgage Solutions Fast 7-10 Day Close Available | SUBMIT LOAN SCENARIO |
 | Oak View Bank statement Loans, DSCR Stated income investor loans, True NO DOC loans available. | SUBMIT LOAN SCENARIO |
 | Groves Capital San Diego’s premier home loan lender we understand the hurdles facing home loan shoppers when they cannot go full doc. | SUBMIT LOAN SCENARIO |
 | Change Mortgage Craig Bosse Non QM, DSCR, Stated Income Licensed and authorized to do business in: AZ, CA, FL, ID, NV, NM, OR, TX, WA | SUBMIT LOAN SCENARIO |
 | Red Tower Capital Direct Lender Quick close. All decisions made in house. All types of properties Loan Size: $100,000 to $5,000,000 | SUBMIT LOAN SCENARIO |
 | HO Capital We are a direct money lender, with funds available for loans backed by real estate holdings. We can offer fast approvals on short-term financing and long-term loans in amounts up to $15 million. | SUBMIT LOAN SCENARIO |
 | Asset Backed Lending Partners LLC NATIONWIDE COMMERCIAL BRIDGE LENDER All decisions made in house. Great communication and trust. Fast turnaround. Loan Size: $1,000,000 to $5,000,000 | SUBMIT LOAN SCENARIO |
 | Fortress Square Capital Loan Amounts From $250k To $50.0mm Full Doc / Stated / No Income Verification Programs Lending In 42 States Property Types: Office, Multi-Family, Retail, Industrial, Warehouse, Mixed-Use, 1-4 Unit Residential, Residential Development, Fix and Flip, Assisted Living Fix And Flip With 100% Rehab Dollars | SUBMIT LOAN SCENARIO |
 | Rapid Commercial Loans we specialize in commercial refinances commercial cash outs and hard money loans. Do you want a funding source with integrity, dedication and speed? We can evaluate your transaction in 24 hours or less and, once we receive your relevant information, we can close within days and not weeks. | SUBMIT LOAN SCENARIO |
 | Stratton Equities Stated / No Income Verification, No Tax Returns NOO- Foreclosure Bailouts, NOO- Residential Commercial, Multi-Family, 75K-5M, Asset Based Lender | SUBMIT LOAN SCENARIO |
 | TMD Capital 12 Month Term Up to 90% of Purchase + 100% of Rehab 75% of After Repair Value 75% of Purchase with No Rehab | SUBMIT LOAN SCENARIO |
 | Capital RB Solutions Up to 90% LTV depending on the experience level. We have still been able to get new investors around 80%LTV. We have a investors that usee a realtors license as an experience point and a contractors license as an experience point. | SUBMIT LOAN SCENARIO |
 | Windvest Corporation Direct lender working with investors who are rehabbing residential property. We cover all areas of Southern California. Reasonable rates and terms with same Day underwriting and closing in as little as 10 days. We also offer proof of funds letters to qualified applicants. CA Only | SUBMIT LOAN SCENARIO |
 | Versair Private Money Stated / No Income Verification, No Tax Returns NOO- Foreclosure Bailouts, NOO- Residential Commercial, Multi-Family, 75K-5M, Asset Based Lender | SUBMIT LOAN SCENARIO |
 | Capital Funding Services We have the Hard Money network to get you the money you need! Commercial and Rental Properties ONLY | SUBMIT LOAN SCENARIO |
 | Zeus Hard Money Buy and Rehab, Landlord Loans, Refinance/Cash Out, Non-traditional Borrower | SUBMIT LOAN SCENARIO |
 | Triumph Capital Partners WE ARE A DIRECT PRIVATE LENDER FOR THE FIX/FLIP & GROUND UP COMMUNITIES. LOANS UP TO 90% LTC. | SUBMIT LOAN SCENARIO |
 | APEX is a direct portfolio lender to small business owners who are unable to obtain traditional financing at banks. We lend as low as $25,000 (properties must be worth at least $75,000 to be considered) up to $500,000. By specializing in commercial mortgages secured by many types of real estate, APEX has developed a niche in marketplaces in which the number of community banks providing similar products and services has declined. | SUBMIT LOAN SCENARIO |
 | SAXE Mortgage Direct Private Money Lender for non owner residential and commercial properties. We are located in Northern California and have successfully funded hundreds of millions of dollars worth of hard money loans, using private investors. | SUBMIT LOAN SCENARIO |
 | Commercial Mortgage Corporation WHEN THE BANK SAYS “NO” WE SAY “YES” !!! for over 40 years we have closed challenging loans on Income and Investment Properties ranging from $100,000 to $5 million. | SUBMIT LOAN SCENARIO |
 | Galloway Lending LLC Family run private direct lender (not a broker). We specialize in financing hard money loans for non-owner occupied residential, multi-family, and commercial real estate. | SUBMIT LOAN SCENARIO |
 | Investment Property Financing Financing in the specialized field of alternative loans for all property types . Our company works with rehabbers and commercial property owners to achieve lending terms that meet their current needs and investment goals. | SUBMIT LOAN SCENARIO |
Ditch the Bank Maze, Embrace the Bluegrass Boom: Hard Money Loans Made Easy
Kentucky’s investment landscape is ripe with opportunity, but traditional bank loans can feel like a dusty, dead-end trail. That’s where hard money loans come in, injecting your vision with the fuel it needs to blaze a trail of success.
Forget the endless paperwork and months-long waits. We’re your one-stop shop for connecting with multiple qualified hard money lenders across the Bluegrass State, all eager to back your ambitious plans.
Here’s how we make Kentucky hard money loans smooth as bluegrass:
- One application, endless possibilities: Submit your loan details once, and we’ll match you with competing lenders vying for your business. No more county-by-county applications or wasted time.
- Local expertise, statewide reach: Our network boasts lenders who know the Kentucky market inside-out, offering competitive rates and flexible terms tailored to your specific needs.
- Speed is key: Forget months-long wait times. Our lenders understand the urgency of investment opportunities and can close your loan quickly and efficiently.
- Flexibility matters: We cater to a wide range of borrowers and property types, from fix-and-flips and vacation rentals to land acquisition and commercial projects.
- Transparency is our promise: No hidden fees or surprises. We believe in clear communication and upfront pricing throughout the process.
Focus on your vision, not the paperwork:
- Let us handle the lender matching process, leaving you free to focus on your investment strategy.
- Get competitive offers from multiple lenders, ensuring you secure the best possible terms and rates.
- Experience stress-free financing with a simplified process that’s as smooth as a Kentucky bourbon.
Ready to unlock your Kentucky investment potential?
Fill out our quick online form and tell us about your dream project. We’ll connect you with the perfect hard money lender to fuel your Bluegrass empire.
Don’t wait any longer. Submit your loan request today and let’s get your Kentucky hard money loan journey started!
Our lenders serve all of the main metropolitan cities in Kentucky including:
Alexandria, Ashland, Bardstown, Bellevue, Berea, Bowling Green, Buechel, Burlington, Burning Springs, Campbellsville, Cannonsburg, Corbin, Covington, Coxs Creek, Cynthiana, Danville, Edgewood, Elizabethtown, Elsmere, Erlanger, Fairdale, Fairdealing, Fayette, Fern Creek, Flaherty, Flatwoods, Florence, Fort Campbell, Fort Campbell North, Fort Knox, Fort Mitchell, Fort Thomas, Frankfort, Franklin, Georgetown, Glasgow, Grants Lick, Harrodsburg, Hebron, Henderson, Highland Heights, Highview, Hillview, Hopkinsville, Independence, Jeffersontown, Keavy, Leitchfield, Lexington-Fayette, Louisville, Lyndon, Madisonville, Mayfield, Maysville, Middlesborough, Mount Washington, Murray, Newburg, Newport, Nicholasville, Oak Grove, Okolona, Owensboro, Paducah, Paris, Pikeville, Pine Grove, Pleasure Ridge Park, Princeton, Radcliff, Richmond, Russellville, Shelbyville, Shepherdsville, Shively, Somerset, South Williamson, Spottsville, St. Dennis, St. Matthews, Taylor Mill,Valley Station, Versailles, Villa Hills, Winchester, and most others.
Most Kentucky Hard Money lenders structure their loans based on a percentage of the quick-sale value of the subject property. This is called the loan-to-value or LTV ratio and typically hovers between 50-75% of the market value of the property. This changes with the economy, strength of the deal and borrower. The Kentucky Hard Money lenders LTV can also go much higher if you have other properties to cross collateralize or other assets the lender may see as desirable. We have seen instances of a large wine collection, art and coins to name a few.
If you are buying an investment property remember that having “skin in the game” is crucial to getting your loan. The term “skin in the game” refers to having a vested interest in the property or investment. Every Hard Money lender wants you to having something to loose if the loan goes south. Think of it like this. would you sell your house to someone for just a monthly payment with no money down. Sounds like a risky venture, right. Kentucky Hard Money Lenders think the same way.
Typically Kentucky hard money or private money loans close quickly with localized lenders. This is one of the most important parts of the equation. A local Kentucky lender knows your area and therefore has a greater comfort level. Many times a local lender can make a decision on the spot and forgo the appraisal and other due diligence factors a lender who is far away can’t.
If you are looking for a hard money loan on an investment property, a Kentucky hard money residential refinance, a land loan or a commercial transaction you need to talk to the lenders below. They can provide you with the facts on how to get your hard money loan. Most are strictly based on LTV (Loan-to-Value Ratio) and can fund quickly. They are waiting for your call and have money to lend you today.