Hard Money Loans for Real Estate Investors: $25K to $5M, No Minimum Credit Score
The Property Qualifies. That's the Point.
Private, asset-based loans from $25,000 to $5,000,000, secured by residential, commercial or vacant land. Bridge or long-term. No minimum credit score, no experience required, and fast closings.
Apply Now ▸Why LOANKWEST Hard Money
True asset-based lending.
Banks lend on you. Hard money lenders lend on the property. If the real estate has the value, the credit score, the tax returns and the track record matter a lot less.
Asset-Based Underwriting
The loan is sized on the property's value and your equity, not your income.
No Minimum Credit Score
Past credit trouble doesn't automatically disqualify you. The collateral carries the file.
No Experience Needed
First deal? Many of our private lenders fund new investors.
Micro Loans From $25,000
Small balance deals that banks won't touch, up to $5 million on larger ones.
Residential, Commercial or Land
1–4 unit, multifamily, mixed-use, commercial, and vacant land.
Bridge or Long-Term
Short-term to buy, fix or refinance fast, or long-term hold financing on rentals.
Hard-to-Finance Properties
Rural, acreage, mobile and modular, inherited and probate, auction, and construction completion.
Fast Closings
Private lenders move on their own timeline, often in days once title and valuation are in.
One Application, Many Lenders
We're a broker, not a single lender. We present your deal across our lender network and bring you the best fit.
How it works
Asset-based means fewer hoops.
Apply Online
Five-minute form. No credit pull to apply.
We Present It
An advisor sends the deal to private lenders who fund that property type.
Valuation
Appraisal or evaluation, depending on the lender.
Close Fast
Title, sign and fund, often in days.
Program at-a-glance
The fine print, up front.
Representative terms across our lender network. Final terms are set by the lender or funding partner you choose.
- Loan amount
- $25,000 (micro loans) – $5,000,000
- Collateral
- Residential, commercial or vacant land
- Loan types
- Bridge (short-term) or long-term
- Max LTV
- Residential 1–4: 65 – 75% · Commercial: 55 – 65% · Land: 50%
- Long-term DSCR
- Up to 55% LTV
- Credit
- No minimum credit score
- Experience
- None required
- Income docs
- Not required on most programs; the property qualifies
- Special properties
- Rural, acreage, mobile/modular, inherited, probate, auction, construction completion
- Pricing
- Private-money rates and points, set by the lender
- Vesting
- Individual, LLC or corporation
- Closing
- Fast, often in days
FAQ
Common questions
FAQ
Common questions
What is a hard money loan?
A private, short- or long-term loan secured by real estate. The lender focuses on the property's value and your equity rather than your credit or income.
Is there really no minimum credit score?
Correct. The lenders we use for these deals don't set a minimum score. Credit can affect pricing, but the collateral decides the loan.
How small a loan can I get?
Micro loans start around $25,000, which is useful for low-cost properties, land and small rehabs that banks won't touch.
How much can I borrow?
Typically 65 – 75% of value on residential 1–4 units, 55 – 65% on commercial, 50% on land and up to 55% on long-term rental (DSCR) hard money.
What properties are hard to finance elsewhere but work here?
Rural homes, acreage, mobile and modular homes, inherited and probate properties, auction purchases and unfinished construction.
Can I use hard money on my own home?
No. These are business-purpose loans on investment and commercial property only.
Partner program
Wholesalers & Agents: Get the Buyer Funded Before the Deal Dies.
When the buyer's bank says no, the property can still say yes. Send the deal to LOANKWEST.
Partner inquiries: loans@seqlending.com- Get credit on every funded loan you refer
- Keep investor clients from shopping you to a competitor
- One intake, dozens of lenders behind it
- Your name on the application via the referral field