Hard Money Loans
Asset-based lending — fast capital secured by real estate
Hard money loans are asset-based — approval is driven by the property value and your equity, not your income or tax returns. Ideal for investors who need speed and flexibility that traditional lenders cannot provide. Loans up to $2M with no upfront fees and no income verification required.
Who This Is For
Real estate investors who need fast access to capital without income documentation
Borrowers who do not qualify for conventional or bank financing due to income structure
Fix-and-flip investors and short-term bridge borrowers
Buyers with strong assets and equity but unconventional income
Requirements
How Sofla Helps
Our AI qualification engine handles the heavy lifting so you can focus on closing.
AI qualification evaluates LTV, credit score, and asset position to confirm hard money eligibility
No income documentation path flagged automatically — only asset and property data required
Identifies whether hard money or a commercial no-income program offers better terms for each deal
Connects investors to hard money lenders with fast closing timelines and no upfront fee requirements
Get Qualified for Hard Money Loans
A few questions. A real score. The exact document list for your loan type.
Start Qualification