Hard Money Loans
For Real Estate Investors
Fast, flexible financing for your fix-and-flip projects. Get the capital you need to acquire and renovate properties with competitive rates and quick closings.
Fast Closings
Close in as little as 7 days
Up to 90% LTC
Loan-to-cost financing available
Flexible Terms
12–24 month terms available
Loan Details
How It Works
Find Your Property
Identify the investment property and estimate renovation costs.
Get Pre-Approved
Submit your application and receive pre-approval within 24 hours.
Close Fast
Complete underwriting and close in as little as 7 days.
Renovate & Sell
Complete your renovations and sell or refinance with no prepayment penalty.
Frequently Asked Questions
What is a hard money loan?
A hard money loan is a short-term, asset-based loan that real estate investors commonly use to buy and renovate investment property, including fix-and-flip projects. Lenders typically focus on the property and the deal, such as the purchase price, rehab budget, and after-repair value, rather than mainly on personal income. Hard money loans are business-purpose only and are not for a home you plan to live in.
Does SpaceCoast Unlimited lend the money?
No. SpaceCoast Unlimited is a loan broker, not a lender. We review your deal and connect you with lenders we work with whose guidelines may fit it. Lenders fund the loans, set all terms, and make every credit and approval decision.
Can a first-time investor get a hard money loan?
It depends on the lender. Some programs work with first-time investors, while others ask for a track record of completed projects. Be upfront about your experience when you request a quote, and we'll look for lenders we work with whose guidelines may fit your situation and your deal.
Can I borrow through an LLC?
Often, yes. Many programs allow you to borrow through an LLC or other business entity, and a personal guarantee is commonly required. Have your entity information handy, and ask how a specific lender handles guarantees, since requirements vary by lender.
How fast can a hard money loan close?
It depends on the lender, the property, and how quickly documents, title, and any appraisal come together. Share your timeline when you request a quote so we can look for lenders we work with whose process may fit. No closing timeline is guaranteed.
What should I have ready to request a quote?
Have the property address, purchase price, rehab budget, ARV (after-repair value), your completed flips or experience, and an estimated credit score. Requesting a quote is free, and we follow up within 24 hours. SpaceCoast Unlimited does not pull credit. Lenders may run a soft credit inquiry to provide a quote, which does not affect your credit score.
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SpaceCoast Unlimited is a loan broker, not a lender. All loans subject to lender approval. Business-purpose loans only.