For real estate investors

Compare fix & flip, bridge and construction lenders

Enter your deal once and see every lender whose rules fit it, side by side: max loan, total cost, rate, points, fees and how often each one confirms terms.

Free for borrowers
No credit pull
Takes about 2 minutes

Compare lenders for my deal Returning? Log in to my loans

Hard Money Lender Match is a free marketplace for real estate investors. You enter one deal, and we apply every lender’s own rules to it, so you see who will lend, how much and at what total cost before anyone gets your contact details. You pick your top three; your first pick reviews the deal first.

Choose your loan

Fix and flip loansCompare fix and flip lenders side by side: max loan, rate, points, fees and total cost for your deal. Free for investors, no credit pull.Ground-up construction loansCompare ground-up construction lenders for spec homes and 1–4 unit builds: land LTC, max LTC, ARV limits, rates and draw terms. Free, no credit pull.Bridge loansCompare bridge lenders for 1–4 unit investment property: purchase, refinance and cash-out LTV, rates, points and terms. Free for investors.

How it works

Enter your deal

Loan type, property, numbers and a little about you. No credit pull, no SSN.

Compare blind offers

Every lender that fits, as Lender A, B, C: loan amount, rate, points, fees and total cost for your hold period.

Pick your top 3

Your 1st pick reviews the deal within 6 business hours. If it passes, it moves to your 2nd, then your 3rd.

Get introduced

When a lender confirms your terms, you’re both introduced by email and its name is revealed.

Rates and leverage

Hard money pricing depends on your experience, credit and the deal. Typical fix and flip loans are interest-only for 12 months with origination points and lender fees, and are sized by purchase price, total cost and after-repair value. Read points and fees explained or check the Hard Money Rate Index.

Tools and guides

Fix and flip loan calculatorARV and max loan calculatorLTC calculatorDutch interest calculatorCash to close calculatorConstruction draw schedule calculator

Best States to Flip Houses: A Framework for Comparing Markets13 min read DSCR Refinance After a Flip: How to Exit Hard Money Into a Rental Loan12 min read Dutch Interest Explained: What It Costs on a Rehab or Construction Loan10 min read Fix and Flip vs Bridge vs Construction Loans: Which One Fits Your Project?12 min read How to Get a Hard Money Loan With No Experience12 min read Hard Money Loan Requirements: What Lenders Check and How to Qualify11 min read

Frequently asked questions

Is Hard Money Lender Match free for borrowers?

Yes. Borrowers never pay us anything to compare lenders or send a deal.

Will comparing lenders hurt my credit?

No. We never pull credit. You enter an estimated score; the lender you choose verifies it during underwriting.

Who sees my contact details?

Only a lender you picked, and only after it confirms your terms (or you accept its different terms). Lenders that pass never see them.

What loans can I compare?

Fix and flip, ground-up construction and bridge loans on 1–4 unit investment property in the US. Not loans on a home you’ll live in.

How fast will a lender respond?

Each lender you pick has 6 business hours (8am–8pm Central, Monday–Friday) to confirm, confirm with different terms, or pass. If it passes or doesn’t respond, your deal goes to your next pick.

What if no lender fits my deal?

We tell you why in plain words, and you can join the waitlist. When a lender that fits joins, we email you a new comparison so you can pick again.

Are you a lender?

Get deals only from investors who compared your terms and picked you. Free to join, with no monthly fees.

Join as a lender