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At Tower Fund Capital, we consistently approve hard money commercial loans for our clients in 24-hours or less with no credit minimum and no personal financial qualifiers. We have 100% success in getting our clients the money they need quickly with a tailored loan designed to meet the needs of each borrower.

What comes to mind when you hear the phrase "hard money loans"? Hard money loans are not the type of loans you get from non-traditional lenders. That is, a loan given by private investors, mostly for real estate investment.

Today we will guide you on what hard money loans are, functionality and advantages of using them. It will also show you how hard money loans work, also their lender and some examples.

Are you looking for hard money loans for real estate investments? Tower Fund Capital is a safe and reliable option if you want to obtain a loan for the purchase of a house or apartment.

What Are Hard Money Loans?

A hard money loan is a fixed line of credit that is backed by some collateral. That collateral is an asset owned by the borrower who stands to lose it if he or she fails to make timely payments. So, essentially, the lender is giving a certain amount of cash under the promise to receive title to the collateral if the other party defaults.


Given this liability model, the whole process is different from typical loans such as mortgages. First, there is rarely much attention paid to the creditworthiness of the person requesting the cash. The reason is that the lender doesn't necessarily care about someone's prior history of making timely payments on things. Instead, they simply focus on the overall value of the asset that is collateral.

How does a hard money loan work?

Hard money loans have terms that are based primarily on the value of the property being used as collateral, not on the creditworthiness of the borrower. Because traditional lenders, such as banks, do not offer hard money loans, hard money lenders are often private individuals or companies that see value in this type of potentially dangerous venture.

Property defamers may seek cash loans that are intended to renovate and resell the real estate used as collateral for financing, often within a year, if not sooner.

The higher cost of a cash loan is offset by the fact that the borrower intends to repay the loan relatively quickly (most cash loans are one to three years) and some of the benefits offered by others.

Be sure to get the best hard money loans with the best private lenders in NYC or anywhere in the United States.

What are the advantages of applying for a hard money loan?

The most obvious advantage of a hard money loan is the fact that you will be able to get around your credit history, no matter how poor you are. Obviously, if you have an extremely poor spending history, you may face some obstacles. However, those types of situations are fairly infrequent, as the vast majority of hard money loan investors only focus on the value of the collateral.

How to get a hard money loan fast?

Tower Fund Capital is a private financing group focused on real estate projects. Within their team you will find investment and finance professionals that will help you get the right financing.

Transparency towards our colleagues and clients is what has made us one of the top mortgage lenders.

You can visit our website and contact us for a meeting with our team of consultants.

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