Fast, Asset-Based Funding
for Florida Investors

We are private hard money lenders who fund deals based on property value, not your personal income. We make common-sense decisions, giving you the speed and certainty to close your next deal. Stop waiting on banks. Get funded.

Welcome to theHardMoneyGuy.com

A Lender Who Thinks Like an Investor

We are a direct private lender for one person: the real estate investor. We’re not a bank, and we don’t operate like one. We don’t get lost in W-2s or tax returns. Our entire process is built on common sense and asset value. We analyze the property, understand your exit strategy, and give you a straight answer – fast.

Based in Boynton Beach, we know the Florida market. We understand that investors need speed, flexibility, and a partner who can close. Whether you’re flipping, holding, or building new inventory, we’re built to move at your speed.

Our Investor Loan Programs

A Full Suite of Financing for Every Strategy

Fix & Flip Loans:

This short-term loan provides the capital to both purchase and renovate an investment property. We fund the complete project, including renovation costs, so you can get to the sale faster. Our investor-focused underwriting means we close deals that traditional banks won’t.

Fix & Flip Line of Credit:

This program is for active flippers who are ready to scale their business. Get pre-approved one time with our streamlined underwriting process. After that, you can fund multiple deals at the same time without having to re-apply for every single property.

DSCR Loans:

This is the ultimate long-term loan for “buy and hold” rental investors. We qualify the loan based on the property’s rental income, not your personal W-2 or tax returns. If the property’s cash flow covers the mortgage, you’re on the path to approval.

Bridge Loans:

This short-term loan provides the capital to “bridge” a financial gap and act on an opportunity. Use it to acquire a new property before selling an old one or to close in just days, not weeks. Our asset-based underwriting gives you the speed and certainty to win the deal.

New Construction Loans:

We provide “Ground Up” construction funding for investors and builders creating a “spec” home to sell. This loan can cover land and construction costs, with funds released in draws as you build. We understand the spec build model and offer a reliable draw process to keep your project moving.

Raw Land Loans:

Secure your next project’s location before you’re ready to build. This loan allows you to acquire undeveloped land for a future investment. We can later roll this financing into a New Construction loan when you are ready to break ground.

Multi-Family Loans:

We provide financing for properties with four or more residential units. We offer flexible options, including long-term DSCR loans for stabilized assets or short-term bridge loans for quick acquisitions. This program is designed to help you scale your multi-family portfolio.

Commercial Loans:

This loan is for purchasing or refinancing commercial properties like warehouses, auto shops, and retail storefronts. We are asset-based lenders, so we focus on the property’s value, not just your personal income. Our common-sense underwriting helps you fund diverse commercial deals.

Transactional Funding:

This is a specialized, one-day loan for wholesalers to complete a same-day “A-B-C” closing. We provide the 100% funding you need for the ‘A-to-B’ purchase. This allows you to immediately resell to your ‘C’ buyer, all in a single day.

Other Business Financing:

Our goal is to be your single point of contact for capital. We can connect you with business lines of credit, term loans, SBA loans, and equipment financing. Contact us to discuss your broader business goals, and we’ll find the right solution.

Request a Professional
Loan Assessment!

Take the guesswork out of financing!

Our team will quickly assess your project and connect you with the right loan — fast, easy, and professional.

CARE FOR YOUR NEXT DEAL

Stop explaining your business to a banker. We are asset-based lenders, not box-checkers.

Our entire process is built for one person: the real estate investor. We analyze the asset, understand the exit strategy, and give you a straight answer – fast. Partner with a lender who speaks your language.

Testimonials

What Our Clients Say

Real stories from Investors Who Closed Fast.

I used the Fix & Flip loan to buy a distressed property that traditional banks wouldn’t even look at. HMG funded both the purchase and the rehab budget in days, not weeks. I was able to get in, renovate, and sell the property with a solid profit. Zero games, zero surprise fees. Just execution.

The Fix & Flip Line of Credit changed how I run my business. Before, I had to apply for every single address separately. Now I have one approved credit line I can pull from deal by deal. My crew never sits idle, I can pick up my next project immediately, and I’ve doubled my volume this quarter.

The DSCR loan let me close on a rental duplex under my LLC without getting grilled about my personal tax returns. They cared about the cash flow of the property, not just my W-2. I refinanced into long-term rental financing, pulled cash out, and I’m already moving on the next buy-and-hold.

I needed a bridge loan fast to lock up a small commercial building before another buyer. A traditional lender told me they’d “need 30+ days to review.” HMG structured a short-term bridge loan basically immediately so I could close and control the asset. Without that, I would’ve lost the deal.

Getting funding for new construction is usually a nightmare if you’re not a big developer. HMG actually sat down with me, looked at my build budget and exit plan, and financed my ground-up spec home on a vacant lot. They treated me like a builder, not like I was wasting their time.

Talk to an Investor, Not a Banker.

We understand your business, and we’re built to move at your speed. Contact us directly to discuss your next project with a lending partner who gets it.

Office Address

2405 Quantum Blvd
Boynton Beach FL 33426

Phone Number

561-549-9092

Fast, Asset-Based Funding for Florida Investors