Real Estate Financing For
Investors & Developers
$1M+ funding for fix & flip, new construction, and investment properties. All borrowers considered.
Hard Money Loans • Bridge Loans • Fix & Flip Financing • New Construction Loans
$1M+
Funding Available
Days
Time to Close
All Credit
Considered
Asset-Based
Approval Method
Real estate investors operate in a world where speed wins deals. A distressed property goes under contract, a fix-and-flip project needs immediate financing, or a developer needs to close on a lot before another buyer steps in. Conventional bank loans move too slowly for most of these situations — and many investors do not fit the profile banks want anyway.
Hard money loans and real estate bridge financing solve this. These are asset-based loans, meaning approval is primarily based on the property's value and your exit strategy rather than your personal credit score or income history. ImpactFundr connects investors and developers with private lenders who can review a deal, issue a term sheet, and close in a matter of days.
We work with single-family investors, multi-unit flippers, ground-up developers, and commercial buyers across most property types. If the numbers on the deal make sense, we can usually find a way to fund it.
Financing Options We Offer
Fix and Flip Loans
Short-term financing to acquire and renovate distressed properties. We fund the purchase and can include a draw schedule for rehab costs. Typically 6 to 18 months.
New Construction Loans
Ground-up development financing for residential and small commercial projects. Funds disbursed in draws as construction milestones are completed.
Bridge Loans
Short-term financing to bridge a gap between your current situation and a long-term solution — buying before selling, stabilizing a property before refinancing, or closing before conventional lending catches up.
Investment Property Loans
Financing for buy-and-hold residential and commercial investment properties. DSCR-based underwriting means your personal income does not need to qualify — the property income does.
Why Investors Choose Hard Money
Bank financing takes too long
Conventional lenders often take 30 to 60 days minimum to close. Most distressed deals and competitive markets require a 7 to 14 day close. Hard money makes that possible.
The property does not qualify for bank financing
Banks will not lend on properties in poor condition, vacant buildings, or partially completed construction. Hard money lenders evaluate the deal on its merits.
Personal credit or income disqualifies you from banks
If you are self-employed, have complex tax returns, or have past credit issues, hard money focuses on the asset, not your personal profile.
You need to close fast to lock in the deal
Sellers favor cash buyers. Hard money loans close nearly as fast as cash, giving you a significant advantage over competing offers.
You need funds for both purchase and renovation
Rather than coming to the table with cash for rehab, a fix-and-flip loan can cover acquisition plus a renovation draw schedule in one package.
Loan Details
| Detail | Range / Info |
|---|---|
| Funding Range | $1,000,000 and up |
| Loan to Value | Up to 70-75% of ARV (after repair value) |
| Interest Rates | Competitive rates based on deal and borrower profile |
| Term Length | 6 to 24 months typical |
| Time to Close | 5 to 14 business days |
| Credit Requirement | All credit considered — deal quality drives approval |
| Property Types | Single family, multi-family, mixed-use, light commercial, land |
| Collateral | The property itself secures the loan |
| Origination Fees | Vary by lender and deal — disclosed upfront |
How to Get Funded
Submit Property Details
Share the property address, purchase price, estimated repair costs, and your exit strategy (flip, rent, refinance).
Fast Approval on Asset Value
Our lenders evaluate the deal based on the property and market, not months of your personal financial history.
Close in Days
Once approved, title and legal work begins immediately. Most deals close within 5 to 14 business days.
Fund Your Project
Funds land at closing. For renovation draws, you submit completion documentation and receive the next tranche.
Why Use ImpactFundr for Real Estate Financing
Finding a reliable private lender for an investment property deal can take weeks of networking. ImpactFundr maintains relationships with active real estate lenders who are consistently deploying capital across residential and commercial projects. We match your deal to the right lender — one who funds in your state, in your property type, and in your price range.
Deal-First Underwriting
We evaluate the property numbers. If the deal has equity and a solid exit strategy, credit issues are rarely a deal-breaker.
Real Closing Speed
We are not brokering to slow institutional lenders. Our private lender partners close deals. Fast.
Experience with Complex Deals
Partial construction, expired permits, distressed assets, tenant-occupied properties — we have seen it and funded it.
Repeat Investor Program
Active investors who close multiple deals get preferred rates and faster review on new submissions. The more you do with us, the better it gets.
Frequently Asked Questions
What is a hard money loan?
A hard money loan is a short-term, asset-based real estate loan provided by a private lender rather than a bank. The property being purchased or refinanced secures the loan, and approval is primarily based on the property's value and investment potential — not the borrower's credit score or debt-to-income ratio.
How is a hard money loan different from a bank mortgage?
Bank mortgages focus heavily on your personal income, employment history, and credit score. Hard money lenders focus on the property. Hard money loans close much faster (days vs. months), have shorter terms, and typically carry higher interest rates. They are tools for investment, not long-term home financing.
Can I qualify with bad credit?
Yes. Hard money lenders are primarily interested in the deal, not your personal credit. A property with strong equity, a realistic renovation plan, and a clear exit strategy can qualify even if you have had past credit issues. That said, experience as an investor and a clean track record help you get better terms.
What property types do you fund?
We work with single-family homes, small multi-family (2-4 units), larger apartment buildings, mixed-use properties, light commercial, and vacant land with a development plan. We generally do not fund owner-occupied primary residences with hard money products.
What is an after repair value (ARV)?
ARV is the estimated market value of a property after renovations are complete. Hard money lenders typically lend a percentage of ARV (usually 65% to 75%) rather than the purchase price. This protects their position and ensures there is real equity in the deal.
Have a deal ready to fund?
Submit your property details and get a fast response from our lending team.
Apply NowSubmit Your Deal for Review
Tell us about your property and funding need. We will get back to you with options fast.