Hard Money Lending

Get a Loan

Competitive terms and fast, flexible solutions to finance your property ventures. No runaround. No red tape.

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Why Linchpin

Fast Close

We move at the speed of your deal. Most loans fund in days, not months.

Flexible Terms

Every deal is different. We structure loans around your project, not a checklist.

Asset-Based

We underwrite the deal, not just the borrower. Property value drives our decisions.

Transparent

No hidden fees, no surprises. You know exactly what you are getting into from day one.

What We Finance

Loan Programs

Bridge Loans

Short-term financing to bridge the gap between purchase and permanent financing or sale. Ideal when timing matters more than anything else.

  • Quick approval and funding
  • Flexible exit strategies
  • 6 to 24 month terms

Fix & Flip

Rehab financing for investors acquiring, renovating, and reselling residential or commercial property. We fund the purchase and the project.

  • Up to 90% of purchase price
  • 100% of rehab costs available
  • Draw schedules upon inspection

Ground-Up Construction

New construction financing for developers building from scratch. Phased draws keep your project funded from permits to certificate of occupancy.

  • Land and vertical construction
  • Phased draw disbursement
  • 12 to 24 month terms
How It Works

Simple Process

01

Reach Out

Schedule a call or submit your deal details. We will give you a straight answer on feasibility within 24 hours.

02

Submit Your Deal

Provide property details, scope of work, and your exit strategy. We underwrite fast and keep paperwork to the essentials.

03

Get Approved

Receive your term sheet with clear rates, fees, and timeline. No hidden costs, no last-minute changes.

04

Close & Fund

We close through escrow and fund your deal. Most loans close in under a week once approved.

Have a Deal?

Tell us about your project. We will let you know what we can do and give you a term sheet within 48 hours.

Schedule a Call Email Us
From the Knowledge Base

Lending Insights

View All Articles
How Property Value Determines Loan Approval
Loans

How Property Value Determines Loan Approval

In real estate lending, the value of the property often plays a larger role than the borrower’s personal financial profile. Understanding how lenders evaluate property value can help investors structure deals that are easier to finance.

Mar 11, 2026 · Linchpin Team
5 Mistakes Real Estate Investors Make When Seeking Financing
Loans

5 Mistakes Real Estate Investors Make When Seeking Financing

Securing financing for a real estate investment involves more than finding a willing lender. Investors who understand the common mistakes borrowers make can approach financing more strategically and improve their chances of closing deals smoothly.

Mar 11, 2026 · Linchpin Team
What Makes a Real Estate Investment “Financeable”?
Loans

What Makes a Real Estate Investment “Financeable”?

Not every real estate deal qualifies for financing. Lenders evaluate investments based on property value, risk, and the borrower’s strategy to determine whether a project is suitable for funding.

Mar 11, 2026 · Linchpin Team
Preparing Your First Hard Money Loan Application
Loans

Preparing Your First Hard Money Loan Application

Applying for a hard money loan is often faster and more flexible than traditional financing, but preparation still matters. Investors who understand what lenders look for can streamline the process and improve their chances of securing funding quickly.

Mar 11, 2026 · Linchpin Team
Understanding Loan-to-Value (LTV) in Real Estate Lending
Loans

Understanding Loan-to-Value (LTV) in Real Estate Lending

Loan-to-Value (LTV) is one of the most important numbers in real estate financing. It helps lenders determine how much risk exists in a deal and how much capital they can safely lend against a property.

Mar 11, 2026 · Linchpin Team
How to Get Funding for a Real Estate Deal Quickly
Loans

How to Get Funding for a Real Estate Deal Quickly

Real estate deals often move faster than traditional financing can accommodate. Investors who understand how funding decisions are made—and how to prepare a deal for lenders—can secure capital quickly and act with confidence when opportunities appear.

Mar 11, 2026 · Linchpin Team