Hard Money & Bridge Loans
Short-term, equity-focused financing for investment property, transitional projects, and time-sensitive acquisitions. We help you explore a possible structure; the participating lender makes the final decision.
The short answer
Hard money and bridge loans are short-term, equity-focused financing for investment property and time-sensitive business-purpose acquisitions, evaluated around the property, equity, and exit strategy. Paradise Working Capital, a Hawaii-based broker, reviews the request and matches it to a participating funding source.
A property-first review
Bridge and hard-money structures may be considered for purchases, refinancing, improvements, and other business-purpose real-estate needs. Terms depend on property, equity, exit strategy, and lender review.
Requests are reviewed for business purpose, property type, occupancy, equity, requested use of proceeds, repayment or exit strategy, and state-specific requirements. Additional disclosures may be provided automatically when required.
Common review factors
Property
Value, condition, location, lien position, and marketability.
Plan
Budget, timeline, experience, repayment, refinance, or sale strategy.
Purpose
Business-purpose use of proceeds and occupancy must be clear.
Hard Money & Bridge Loans — Frequently Asked Questions
Who is Hard Money & Bridge Loans for?
Bridge and hard-money structures may be considered for purchases, refinancing, improvements, and other business-purpose real-estate needs. Terms depend on property, equity, exit strategy, and lender review.
Can I use this for an owner-occupied home?
These pages focus on business-purpose and investment financing. Owner-occupied residential requests may require a different review path and are not assumed to qualify.
Are terms guaranteed?
No. A completed application is reviewed by the participating funding source. Rates, leverage, fees, timing, and approval are not guaranteed.
What loan-to-value (LTV) can I expect?
Leverage varies by lender and by property type, condition, and exit strategy — typically in the range of 60% to about 90% of purchase price, or up to roughly 75% of after-repair value (ARV) for fix-and-flip structures. Some programs weigh property equity more heavily than others. Exact leverage is confirmed per deal, not guaranteed in advance.
What credit score do I need?
This varies significantly by program. Some hard-money and bridge options have no minimum credit score at all — they are underwritten primarily on the property and equity position. Others expect a credit score in roughly the 650-680+ range depending on the specific loan type. We can point you toward the path that fits your credit profile.
How large a loan can I get?
Loan amounts across our current hard-money and bridge lending relationships range from about $75,000 up to $20,000,000 for standard deals, with select portfolio or structured-finance options reaching up to $75,000,000+ for larger, multi-property transactions. The right program and maximum amount depend on the property, equity, and the specific request.
Do you offer fix-and-flip financing?
Yes. Fix-and-flip programs may finance up to 100% of the purchase price plus rehab costs, with leverage up to roughly 80% of after-repair value (ARV), loan amounts generally from $100,000 up to $5,000,000, and interest-only terms of 12 to 24 months.
Do you offer DSCR rental property loans?
Yes. DSCR (debt-service-coverage-ratio) loans are evaluated on the property’s rental cash flow rather than personal income, generally up to 80% loan-to-value, with 30-year fixed or adjustable-rate options available.
Do you offer ground-up construction financing?
Yes, for qualifying build-to-sell or build-to-rent projects. Maximum loan and rehab-budget amounts vary by state and program — confirm current availability for your property’s state before assuming a figure.
Start Your Funding Review
To identify a suitable program, we need the completed form and the requested business documents. You can upload them below so we can review the full picture; additional information may be requested depending on the program and funding source.
⚠️ Required for an accurate review: at least 2 months of recent business bank statements (some programs need up to 6), plus your business details below (time in business, entity type, revenue). Applications missing these go to manual review, which slows things down.
You're In — Application Received!
Thank you for your submission. Please check your email — we're sending you next steps and instructions right now. Don't see it in a few minutes? Check your spam or junk folder, just in case.
A local funding advisor will review the completed information and documents. If anything is missing, we will let you know what is needed before potential program options can be evaluated.
Your application needs manual review because some required information (bank statements) is missing. One of our teammates will reach out shortly to get what's needed.