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“Private money” and “hard money” loans are often used interchangeably—but there are key differences.
Private Money typically comes from individuals—friends, family, or private investors—who are looking for a higher return on their money. These loans are often more flexible and relationship-based.
Hard Money loans come from established lending companies with set terms, guidelines, and often higher interest rates. They’re still faster than traditional loans, but typically have more structure than true private lending.
Differences between Private Money and Hard Money Loans:
| Feature | Private Money | Hard Money |
|---|---|---|
| Source | Individuals | Lending companies |
| Flexibility | High | Medium |
| Underwriting | Relationship-based | Asset & experience based |
| Terms | Negotiable | More standardized |
Both are great tools—but knowing the difference helps you choose the best option for your deal.
Looking For A Private Or Hard Money Loan?
Our experienced and knowledgeable team works closely with real estate investors and builders. We pride ourselves on being able to offer a wide range of private money financing options including:
- Fix & Flip Loans
- New Construction Loans
- DSCR Rental Property Loans
- Bridge Loans
- Commercial Loans
Whether you’re acquiring your first investment property, need to refinance to get a lower interest rate, need a cash out bridge loan for working capital, looking for another property to acquire to add to your portfolio, looking to flip houses, convert a multifamily to condos, or looking to build one or multiple houses, we can help.
Call us today at (833) 836-3827, Fill out our Quick Application or Contact us to talk about your next project!
Quick Application
Ready to move forward? Our quick and easy application helps us understand your needs so we can tailor the right lending solution for you. Just fill out the form below to get started — no obligations, no hidden fees.