Real estate lending · Hard Money
Hard Money Leads
Hard money leads are investors who need a loan underwritten on the property's value and equity because the deal can't wait on a bank. Every borrower tells us the collateral, the loan amount against its as-is value and how they plan to pay you back. Leads are phone-verified and sold to you alone or shared with a set number of lenders.
Who this program is for
Lenders who underwrite the asset first and the borrower second.
- Hard money lenders
- Private money lenders and family offices lending on real estate
- Debt funds with short-term programs
- Brokers who place asset-based loans
- Lenders who fund land, mixed-use or non-warrantable properties
What you can buy
Phone-verified hard money requests
The form opens with the property and the equity in it, and the lead is only created after the investor enters the text code sent to their phone.
Fast-close purchase loans
Investors buying at auction, off-market or against a tight contract deadline who need funds in place to close.
Cash-out on owned property
Investors with free-and-clear or low-balance properties who want to pull equity for the next acquisition.
Hard money refinances
Borrowers whose current short-term loan is maturing and who need a new lender to extend or replace it.
What we ask before a lead reaches you
We ask the questions an asset-based underwriter asks first.
- Collateral type and property state
- Estimated as-is value
- Loan amount requested, so you can estimate LTV
- Purchase, cash-out or refinance of a maturing loan
- Exit strategy: sell, refinance into a long-term loan or pay off from another source
- Days until they need to close
- Existing liens and current mortgage balance
- Borrowing as an individual or through an LLC
Consent and compliance
Each lead is verified by a one-time text code (OTP) sent to the borrower's phone at submission, and the record carries a TrustedForm certificate.
Loans in this program are business-purpose loans to investors, secured by investment property. We don't quote rates or points, and we don't promise approval or a closing date. Licensing for business-purpose lending varies by state, and staying licensed where you lend is your responsibility.
Run your own numbers
Asset-based lending is a margin business. Track what each funded loan costs you to originate.
- 1Line
Fundable rate = leads with an LTV and exit you'd fund ÷ leads delivered
- 2Line
Close rate = loans funded ÷ fundable leads
- 3Line
Cost per funded loan = lead spend ÷ loans funded
- 4Line
Return per loan = points plus interest over the expected hold, minus cost per funded loan
Questions buyers ask
Do you sell the same lead to other lenders?
Only if you choose shared. Leads are either sold to you alone or shared with a set number of lenders, and your agreement states which.
Are these borrowers looking for long-term financing?
This form is built for short-term, asset-based loans. Rental investors who want long-term financing run through our DSCR program instead.
Can I limit leads by LTV or property type?
Yes. We can filter on the requested loan against the stated value, plus property type, state and how soon the borrower needs to close.
How are leads delivered?
Each lead posts to your CRM by webhook with the collateral details in their own fields. If you work from an inbox, we deliver by email.
What is your return policy?
Return rules are written into your agreement before the first lead.
How is pricing set, and what states do you cover?
Pricing and coverage are set per program after you apply, based on your markets and volume.
What happens when I click Apply now?
You tell us your markets, volume and how you want leads delivered. We review it and come back with a program.
Hard Money Leads from people who asked.
Apply with your markets, your volume and how you want leads or calls delivered. We review it and come back with a program built for you.
Apply now