
Why Hard Money Loans?
Using hard money loans allows real estate investors to maximize leverage when purchasing a property and close within just a few days, all while freeing up their own cash for other uses. Hard money lenders, unlike traditional lenders, provide fast and flexible financing options to make real estate investments more accessible.
Understanding Hard Money Loans
What it really means
The term “hard money loan” refers to a type of loan that is backed by a “hard” asset, such as real estate. If you’re a real estate investor and you need financing for a deal, a hard money loan might be the best option for you to maximize your leverage on the property. Traditional lenders don’t offer hard money loans, so this lending option is only available through private lenders or individual investors, like OLLender.
Is it right for me?
We’re happy to help review your deal and answer that for you, but here are some things to consider:
- Private lending typically closes much faster than traditional banks.
- Hard Money loans are backed by assets and often require lower down payments.
- Leveraging private funding allows you to free up your own capital for other uses.
Submit Your Hard Money Loan Application
When you’re ready to start investing, submit your loan application and select your preferred loan option based on your project. There is no credit pull, so you don’t have to worry about your application affecting your credit score.


We Review Your Project
Our team of experts will quickly review and assess the value of your property, including After Repair Value, and determine whether the deal meets our criteria for loan approval.
Loan Approval and Documentation
Once your loan is approved, our team will work to collect all the necessary information and documentation in order to ensure we meet your target closing date. In addition, we’ll provide additional details on closing costs and fees required to finalize your loan.


Closing the Deal
At closing, our team will provide the funds needed to help you secure your property while providing you with the final amounts required to secure the loan, as well as kickstarting your initial repair budget. Once you sign, we get to work on helping ensure your project is successful and completed within the loan term.