Philadelphia Hard Money Lenders

Looking for fast, reliable hard money loans in Philadelphia, PA?

At Hard Money Bankers, we’re trusted Philadelphia hard money lenders helping real estate investors secure funding in as little as 24 hours. Whether you’re flipping a rowhome in Fishtown, adding a rental in Manayunk, or building new construction in Northern Liberties, we have the speed, flexibility, and local expertise to make it happen.

Apply now and get same-day approval.

Why Choose a Hard Money Lender in Philadelphia?

Philadelphia’s real estate market moves fast—and opportunities don’t wait for bank approvals.

Local Market Expertise – We know Philly neighborhoods like South Philly, Kensington, Brewerytown, and West Philadelphia.
Speed Over Traditional Lending – Close in 5–7 days instead of 45–60 days.
Flexible Solutions – We fund deals banks avoid, including heavy rehab and non-owner-occupied properties.
Investor-Friendly Terms – High leverage, competitive rates, and minimal documentation.

Our Hard Money Loan Programs

We offer lending solutions for Philadelphia and the surrounding suburbs (including Montgomery, Bucks, Chester, and Delaware Counties):

Fix & Flip Loans

Up to 90% purchase + 100% rehab financing.
6–12 month terms.
Perfect for distressed property rehabs.

Rental Property Loans (DSCR)

Based on rental income, not personal income.
30-year fixed or adjustable terms.
Great for growing your portfolio.

Bridge Loans

Short-term funding to close before selling another property.

New Construction Loans

Ground-up builds and large-scale renovations.

Loan Terms & Requirements

Typical Philadelphia hard money loan terms:

Loan amounts: $100K – $5M+
LTV: Up to 75% of ARV
Rates: Competitive & deal-based
Credit: Flexible—asset-based lending
Property types: Single-family, multi-family, mixed-use, commercial

How the Process Works

Submit Your Deal – Call or fill out our quick form.
Same-Day Review – We issue a conditional approval fast.
Close & Fund – Get your money in days, not months.

Philadelphia Real Estate Market Insights

Philadelphia remains a top investment city on the East Coast:

Strong rental demand in University City, Fishtown, and Center City.
Neighborhood revitalization in Point Breeze and Brewerytown.
Affordable entry prices compared to NYC and DC.

Why Work With Hard Money Bankers

Millions funded for Philadelphia investors
Local team with nationwide reach
Quick closings & flexible lending options

Get Your Philadelphia Hard Money Loan Today

Opportunities in Philly real estate move quickly. If you’re ready to act, we’re ready to fund.

Call us at 800.883.8290 or Apply Online for your free loan quote today.

Philadelphia Hard Money Loan FAQs

How fast can I get funded?
Typically within 5–7 days.

Do you lend on multi-family properties?
Yes—duplexes to large apartment complexes.

Do I need perfect credit?
No—our loans are asset-based.