Low minimum credit score!
No application fee!
"Asset-Based" underwriting
Purchase or Refinance
Close in 3 weeks or less

The Hard Money Loan Program for residential properties offers real estate investors fast access to funds. Hard Money Loan approval is heavily based on the investment property; specifically the amount of equity. The Hard Money Loan Program is also advantageous due to that fact that credit scores and income are not heavily relied upon so there is no need to worry about income qualifications since there is no income documentation, no income verification, no tax returns.

​FundingPilot is proud to offer some of the most diverse, competitive, and flexible investment residential mortgage loan programs. The Residential Hard Money Loan is the best option for real estate investors who need to access capital quickly without jumping through all of the hoops of more traditional lending programs. To receive your custom, hassle-free Hard Money Loan quote please complete the "QUICK QUOTE" Form or call us directly at 888-460-4518.



Everything you need to know about the Residential Hard Money Loan Program:


Loan Amounts: $100,000 - $15,000,000

Interest Rates: 6.99%+

Amortization: Interest-Only

Term: up to 3 years

Payment: Monthly

Loan-to-Value (LTV): ≤ 75%

Credit Score: 500+ FICO

Occupancy: Non-Owner Occupied

Property: Residential Investment

Property Types: SFR, 2-4 Units, Condo, Townhouse, Mixed-Use, Multifamily

Use of Funds: Business or Investment purposes ONLY

Lending Territory: Alabama, Alaska, Arkansas, Colorado, Connecticut, Delaware, Washington D.C., Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming


The approval process for a Hard Money Loan is streamlined; designed to bypass many of the common obstacles associated with full-documentation mortgage loan programs, hence the ability to close your loan in record time.
Once your dedicated Loan Officer reviews your scenario and confirms your eligibility a Pre-Approval will be issued. It will list the loan amount you qualify for and any documents required to obtain your Conditional Loan Approval (CLA) / Letter of Intent (LOI).
Once the CLA / LOI is issued, it will also outline any conditions needed to clear your loan for funding. To prevent delays, your appraisal and title search will be ordered once we receive your signed disclosures which is very early in the process. The entire funding experience for a Residential Hard Money Loan takes roughly 7-10 days from start to finish.
Hard Money Loans  - Approval Process - Oracle Loans

Have a question? Call us at 888-460-4518


Loan Amounts: $10,000 - $750,000

Terms: 3 months - 10 years

Repayment: Fixed

Collateral requirement: N/A

Credit Needed: 500+ FICO

Approval Time: 24 hours

Time to Fund: 2 - 5 days

Unsecured Business Loan

Secured Business Loan

Loan Amounts: $250,000 - $5,000,000

Terms: up to 30 years

Repayment: Fixed

Collateral requirement: YES

Credit Needed: No credit score requirements

Approval Time: 24 hours

Time to Fund: 3 - 10 days

Startup Business Loan

Loan Amounts: $5,000 - $250,000

Terms: up to 10 years

Repayment: Monthly, Weekly, or Daily

Collateral requirement: N/A

Credit Needed: 500+ FICO

Approval Time: 1 - 2 days

Time to Fund: 3 - 5 days

Merchant Cash Advance

Loan Amounts: $10,000 - $750,000

Terms: 3 - 36 months

Repayment: Fixed

Collateral requirement: N/A

Credit Needed: 500+ FICO

Approval Time: 24 hours

Time to Fund: 1 - 3 days

Asset-Based Business Loan

Loan Amounts: $1,000 - $5,000,000

Terms: up to 36 months

Repayment: Monthly

Collateral requirement: YES

Credit Needed: No credit score requirements

Approval Time: 24 hours

Time to Fund: 3 - 10 days

Equipment Financing

Loan Amounts: $10,000 - $250,000

Terms: Open

Repayment: Monthly

Collateral requirement: NO

Credit Needed: 680+ FICO

Approval Time: 24 hours

Time to Fund: 10 - 15 days

Fix & Flip LOC

Loan Amounts: $10,000 - $250,000

Terms: 0% interest, first 6-12 months

Repayment: Open

Collateral requirement: NONE!

Credit Needed: 680+ FICO

Approval Time:  10 - 15 days

Approval: 24 hours

We're the best at what we do for a reason...

FLEXIBILITY. No more needing to go from bank to bank trying to find small business loans, we cover it all. Whether your credit is strong or poor we have business lending programs to meet your capital needs.

FOCUS. We're 100% focused on small business owners like yourself. We deliver results nationwide and have funding specialists available 6 days per week.

SPEED. We save you lots of time when looking for a small business loan. You answer a few questions and we show you your options. We make getting a small business loan simple and fast.

TRUST. We take care of you every step of the way. Our business lending advisors believe in your business and care about your success. It’s an experience you’ll tell your friends about, guaranteed! Did we mention our A+ rating with the Better Business Bureau?


$794,000 FUNDED!

When a manufacturing company in Pennsylvania needed to meet a large purchase order request they needed funding quickly to meet their demand. Within a matter of 5 business days they were funded and are continuing to leverage our business lending programs to further grow their successful business.

LOAN TYPE: Asset-Based Loan

$28,600 FUNDED!

When a local bakery / cafe was in need of some working capital FundingPilot was able to step in and get their business $28,600 in under 48 hours!

LOAN TYPE: Merchant Cash Advance

$225,000 FUNDED!

Mark & Samantha needed to renovate their location but couldn't qualify for a commercial renovation loan, nor most business loans due to credit score blemishes. By using an investment property they owned as collateral we were able to fund them $225,000 in 9 days.

LOAN TYPE: Secured Business Loan

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