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Hard Equity Loan     

Hard Equity Loans: Turn Your Property’s Value Into Immediate Capital

Asset-Based Funding for Savvy Investors

Does your property have untapped equity, but your bank says "no" because of your tax returns or credit score? At Loanhse.com, we look at the equity in your real estate, not just the numbers on your W2. Our Hard Equity Loans provide a fast, flexible bridge to help you seize new opportunities or solve immediate cash flow needs.

No red tape. No long waits. Just pure equity-based lending.

Why Choose a Hard Equity Loan?

When traditional lenders move too slowly or have rigid "one-size-fits-all" rules, a Hard Equity Loan from Loanhse.com offers a streamlined alternative.

  • Speed of Execution: We can often fund in as little as 5 to 10 business days, while traditional equity loans can take 45+ days.

  • Bad Credit is Okay: Because the loan is secured by the property’s equity, your credit score is secondary. We specialize in helping borrowers with "bruised" credit or unconventional financial profiles.

  • Business-Purpose Focus: Perfect for funding business expansions, purchasing new inventory, or securing a down payment for your next real estate acquisition.

  • No Income Verification: We don’t require tax returns or pay stubs. If the equity is there, the deal is there.

Program Highlights

Feature Hard Equity Loan Details
Loan Amounts $100,000 – $5M+
Max Loan-to-Value (LTV) Up to 65% – 70% of current value
Loan Term 12 to 36 months (Bridge/Short-term)
Payment Options Interest-only payments available
Property Types Residential Investment (Non-Owner Occupied), Multifamily, Commercial
Closing Speed 7–10 Business Days

Common Use Cases for Hard Equity

  1. Bridge to Refinance: Pull cash out now to stabilize a property before moving into a long-term DSCR loan.

  2. Rescue Financing: Quickly stop a foreclosure or pay off a maturing debt that a bank won't touch.

  3. Cross-Collateralization: Use the equity in one property to fund the 100% purchase of another.

  4. Working Capital: Access the cash trapped in your portfolio to fund business operations or renovations.

Frequently Asked Questions

How is this different from a traditional Home Equity Loan?

Traditional home equity loans (from banks) are for people living in their homes and require deep income documentation and high credit scores. Hard Equity Loans are for investors and business owners. They are faster, have fewer documentation requirements, and are based almost entirely on the value of the property.

What is the "Exit Strategy"?

Since these are short-term loans, we work with you to define an "exit strategy." This is simply your plan to pay back the loan—usually by selling the property, refinancing into a long-term conventional or DSCR loan, or using business profits.

Are there prepayment penalties?

At LoanHouse, we offer several programs with no prepayment penalties, allowing you to pay off the loan as soon as your capital is no longer needed.

Can I get a Hard Equity loan on my primary residence?

Our Hard Equity products are strictly for business purposes or investment properties. If you are looking for equity in the home you live in, ask us about our [HELOC or Home Equity Loan] programs.

What else is Hard Equity referred to?

Sometimes it's called, Hard Money, Hard Money Equity, and Private Money Loan.

Stop Waiting on the Bank. Unlock Your Equity Today.

Don't let a great opportunity pass you by because your capital is locked in a building. Let LoanHouse help you put your equity to work.