For Borrowers

Hard Money Loans
Built for Investors.

Fast, flexible private money for real estate investors. We lend on the asset, not your credit score. Close your deal in as few as 7 business days.

Loan Programs

Find the Right Loan for Your Deal

Most Popular

Fix & Flip Loans

Rate
From 9.99%
LTV/LTC
Up to 90% LTC
Term
6–18 months
Min Loan
$75,000
  • No income verification
  • Credit 580+
  • Close in 7 days
  • Interest-only payments

Bridge Loans

Rate
From 10.49%
LTV/LTC
Up to 75% LTV
Term
6–24 months
Min Loan
$100,000
  • Fast closings
  • Flexible exit strategies
  • Commercial & residential
  • Nationwide

New Construction

Rate
From 11.49%
LTV/LTC
Up to 85% LTC
Term
12–24 months
Min Loan
$150,000
  • Draw schedule funding
  • Ground-up construction
  • Builder experience required
  • Inspections included

General Requirements

Minimum Credit Score
580+
Down Payment
10–25%
Property Types
SFR, Multi, Commercial
Loan Amounts
$75K – $10M
Loan Terms
6 – 24 months
States Served
40+ States
Approval Time
24–48 Hours
Closing Time
7–14 Business Days

Proof of Performance

Deals We've Funded

Real transactions. Verified numbers. Every deal below was funded by Crystal Capital — from first-time flippers to seasoned commercial investors.

$3.5M
Capital Deployed
11 days
Avg. Days to Close
30.7%
Avg. Borrower ROI
$841K+
Borrower Profits
8 deals
Fix & FlipExperienced
Scottsdale, AZ · Single Family
Closed In
8d
Sep 2024

"Won a 4-offer bidding war with an 8-day close"

Purchase Price
$348,000
Loan Amount
$418,000
Rehab / Build
$72,000
ARV
$565,000
Rate
10.99%
Term
9mo
Points
2pts
LTV
74%
Gross Profit
$94,600
Exit Strategy
Listed MLS, sold in 11 days

Competing against 3 all-cash buyers. Our 8-day close with proof-of-funds letter won the deal at $2K under ask. Borrower completed rehab in 6 weeks and listed immediately.

BRRRRIntermediate
Memphis, TN · Duplex
Closed In
11d
Nov 2024

"Recycled 100% of capital — now cash-flowing $1,840/mo"

Purchase Price
$118,000
Loan Amount
$158,000
Rehab / Build
$44,000
ARV
$228,000
Rate
11.49%
Term
12mo
Points
2pts
LTV
69%
Annualized ROI
38.4%
Exit Strategy
Cash-out refi at 75% ARV — pulled $171K

Distressed duplex, both units vacant. Full renovation, new HVAC, roof, and kitchens. Refinanced with a local credit union at 7.25% 30-year. Now cash-flows $1,840/month net.

Fix & FlipExperienced
Atlanta, GA · Multi-Family
Closed In
13d
Jan 2025

"$174K gross profit on a 6-unit gut renovation"

Purchase Price
$485,000
Loan Amount
$612,000
Rehab / Build
$138,000
ARV
$895,000
Rate
10.49%
Term
11mo
Points
2pts
LTV
68%
Gross Profit
$174,200
Exit Strategy
Sold to out-of-state 1031 exchange buyer

6-unit apartment building, 4 of 6 units occupied at below-market rents. Full gut on vacant units, cosmetic refresh on occupied. Sold to a 1031 exchange investor at $8K under ask.

Bridge LoanExperienced
Dallas, TX · Commercial
Closed In
7d
Oct 2024

"7-day close on $1.25M commercial acquisition"

Purchase Price
$1,250,000
Loan Amount
$875,000
Rehab / Build
—
ARV
$1,480,000
Rate
9.99%
Term
6mo
Points
1.5pts
LTV
59%
Gross Profit
$178,500
Exit Strategy
Conventional SBA 504 refinance at month 5

Borrower had SBA approval but needed to close 45 days before conventional funding was ready. Bridge loan covered the gap. Refinanced at 6.9% and retained the asset.

Fix & Flip1st Deal
Charlotte, NC · Single Family
Closed In
10d
Dec 2024

"First-time flipper earns $82K on debut project"

Purchase Price
$198,000
Loan Amount
$248,000
Rehab / Build
$46,000
ARV
$368,000
Rate
10.99%
Term
8mo
Points
2pts
LTV
67%
Gross Profit
$82,400
Exit Strategy
Listed MLS, sold in 17 days

First-time flipper, referred through our broker program. We walked them through the entire process — from deal analysis to draw schedule to closing. Sold in 17 days at $4K under ask.

New ConstructionExperienced
Nashville, TN · Single Family
Closed In
9d
Feb 2025

"Ground-up build pre-sold at $869K before CO"

Purchase Price
$142,000
Loan Amount
$548,000
Rehab / Build
$412,000
ARV
$875,000
Rate
11.99%
Term
16mo
Points
2.5pts
LTV
63%
Gross Profit
$214,000
Exit Strategy
Pre-sold before certificate of occupancy

Ground-up construction in a high-demand Nashville suburb. Lot purchased at auction. Pre-sold to a relocating buyer before CO was issued — avoided carrying costs entirely.

All figures are representative of actual funded transactions closed through Crystal Capital's lending network. Individual results vary based on market conditions, property quality, and borrower execution. Past performance does not guarantee future results.

Deal Analysis Tool

Calculate Your Financing Costs

Model your deal before you apply. Enter your numbers to see monthly payments, total financing costs, and estimated profit on your fix-and-flip.

Hard Money Loan Calculator

Estimate your financing costs and deal profitability

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LTV: 65.77% ✓LTC: 90.00% ✓
%
pts
$
Monthly Interest Payment
$1,566
Interest-only payment per month
Total Interest
$14,095
9 months
Origination Fee
$3,420
2 points
Total Financing Cost
$19,015
Interest + origination + other fees
LTV Ratio
65.77%
LTC Ratio
90.00%

Estimates only. Actual rates and fees may vary. Contact us for a formal quote.

Frequently Asked Questions

Everything You Need to Know

Answers to the most common questions from borrowers — from first-time flippers to seasoned commercial investors. Can't find your answer? Call us directly.

28
Questions Answered
5
Topic Categories
01

Qualification & Eligibility

6 questions
No — credit score is not the primary underwriting criterion for hard money loans. Crystal Capital underwrites based on the asset (the property), not the borrower's personal credit profile. We look at the deal's loan-to-value ratio, the after-repair value (ARV), your exit strategy, and the property's location. Borrowers with credit scores as low as 500 have been funded through our network when the deal fundamentals are strong.

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24-hour term sheet turnaround
No hard credit pull to get started
Competitive rates, transparent fees

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