Hard Money Loans
Speed and Collateral-Focused Private Lending
Hard money loans are asset-based financing solutions focused on speed and collateral strength rather than traditional underwriting metrics. Ideal for investors who need certainty and velocity.
Hard Money Loans
Asset-Based Capital Solutions
Typical Terms &
Loan Parameters
Every transaction is structured individually. The parameters below represent typical ranges — actual terms depend on the asset, borrower profile, and market conditions.
Loan Term
6–24 months
Amortization
Interest-only
Rate Structure
Typically adjustable
Loan Range
$100,000 – $10,000,000
Key Highlights
- Collateral-based underwriting
- Fast approvals & funding
- No income documentation required
- Fix-and-flip eligible
- Cross-collateralization options
- Defined exit plan included
“Vynra Capital ensures every hard money structure includes a defined exit plan — protecting the borrower's long-term financial stability and preparing them for conventional financing.”
Vynra Capital
When to Use Hard Money Loans
Fix & Flip
Fund residential or commercial flips quickly with asset-backed short-term capital.
Distressed Assets
Acquire distressed or non-stabilized properties that conventional lenders won't touch.
Investor Portfolios
Leverage existing equity across your portfolio for rapid capital deployment.
Required
Documents
The following documents are typically required for Hard Money Loans applications. Requirements may vary by lender — this checklist serves as a baseline to help you prepare and streamline approvals.
Lender Requirements May Vary
This checklist represents baseline documentation. Some lenders may require additional items or waive certain documents based on deal specifics, borrower profile, or loan size.
Purchase contract
Scope of work / rehab budget
Project timeline
Borrower experience
Deal history
Property photos
Bank statements
Proof of funds
Entity documents
Ready to move forward?
Our advisors will guide you through document collection and lender submission.
Representative
Transactions.
Transactions represent financing structured across previous banking, brokerage, and private capital relationships.
$700,000
Fix & Flip / Hold Financing
Flushing, NY
Financing used to buy out a family partner and complete rehabilitation of a two-family property.
Every transaction is structured to support both immediate execution and long-term positioning.
Vynra Capital has structured financing across DSCR, Fix & Flip, Bridge, Commercial Real Estate, SBA, and Revenue-Based products — backed by 20+ years of relationships.
Ready to Structure the
Right Hard Money Loans?
Tell us about your project and goals. We’ll evaluate your situation and align it with the best capital source available.