Welcome to Fast Hard Money Loans, where you’ll learn how to obtain fast hard money loans from local or national investors who see the value in your business strategy.

Getting fast hard money loans is a big challenge, because by definition, hard money comes from very independent players in the financial investment community. There is no national company that provides hard money loans. If you want a hard money lender, you’ll usually need to work with a mortgage broker who can find a hard money underwriter for you.

Your average loan officer at a bank doesn’t have the contacts to find you a hard money investor. It can take years for a mortgage broker with hundreds of underwriter contacts to build up a small database of investors willing to make hard money loans. And “fast” is subjective, of course. What may be fast to you, the business owner who needs the capital, or the real estate investor who needs some cash to close the deal of a lifetime, may not be “fast” to a very business-savvy hard money investor.

The typical hard money lenders has been around the block a few times in the business world. They wouldn’t have hundreds of thousands of dollars in capital to invest by throwing it around foolishly to every potential borrower that comes along. Expect to have your business plan evaluated and the premises of your deal questioned. If they are going to put their own capital at risk for your business plan, that is not an unreasonable request.

That said, it’s possible to obtain fast hard money financing. It just takes some preparation on your part. Have your business plan in order and be able to clearly articulate to a lender why his or her money will be safe with you. Then find a local mortgage broker who specializes in hard money mortgage loans and who can point you to the right hard money lender to help you get the deal done.