Borrower's Corner

Fast. Flexible. Affordable.

Maximize your profit with a new hard money loan product.




Get the funding you need in as little as 7 days.




Any condition is okay! Borrow purchase funds plus repairs, while getting 30 years to repay.




The lowest rates in the Industry. Our rates end where others begin.


See what our customers have to say

I’ve been able to purchase my 5th rental property with Sherman Bridge Lending’s rehab loan program. They gave me the money to purchase and fix up the property. My bank was going to make me put down four times as much money and pay for the repairs out of my own pocket. Sherman Bridge Lending is the only choice for buying investment properties. Because of them I’m able to start my retirement as a landlord / real estate investor.

Bob Schmitt

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I refer all of my clients to Sherman Bridge Lending. They are the only lender I can trust to provide the same level of service to my customers as I do. They make the loan process quick, easy, and get the loan to close on time!

Mark Brown DFW Realtor

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Getting the funding you need for your real estate investment should not be a difficult process. With our three step program, you will be closing on your next deal in just a week.



30 Second pre-qualification and 30 minute full approval.


Submit your loan request and investment property. 


Close on your investment loan in as little as 7 days.


It's that easy! Sherman Bridge hard money loans are just like using cash, giving you more negotiating power at the seller's table. Get your pre-approval letter today and start making offers that turn into profit.


[fa icon="plus-square"] What is a Hard Money Loan?

Hard money loans, also known as private loans, rehab loans, bridge loans, private money loans and construction loans, are a form of financing available to purchase and repair a distressed investment property for the purpose of fix and flip or fix and rent. Hard money loans do not conform to conventional underwriting standards and are not typically offered by banks or mortgage brokers. One unique attribute of hard money loans is that real estate financing is made available for the repair of the distressed property in addition to the purchase cost. Another attribute is that the hard money loan amount is based on the future “after repaired value” of the property verses the “as-is” value. Due to these factors a borrower can access a much higher amount of leverage for a distressed real estate purchase than what would be available through more traditional financing.

[fa icon="plus-square"] Why would a borrower use a Hard Money Loan?

Real estate investors prefer hard money financing over traditional or bank financing for a multitude of reasons. One main factor is the speed at which they can procure the financing. A quick closing with fewer contingencies on financing can be a powerful negotiating tool when purchasing investment real estate. Another reason is that real estate investors typically make a higher return on investment with hard money loans due to the fact they can finance the repairs to the property as opposed to using their own cash. 

[fa icon="plus-square"] How do I get preapproved for hard money?

Start with our Fast Track Application here.

[fa icon="plus-square"] What is the term of the loan for hard Money?

Most hard money loans are short term loans to cover the time it takes to repair the property and refinance or resell it. However if the borrower needs more time they often have to extend the loan at a costly fee and a sharp increase to their interest rate, or potentially the lender could call the note due giving the borrower just 30 days to somehow repay the loan in full of face foreclosure. Sherman Bridge Lending offers a product that can be repaid at any time and does not require a loan extension for 30 years. This feature gives the borrower the assurance and security that if the project doesn’t go exactly as planned they will not be placed in a difficult, urgent, and likely unprofitable situation.

[fa icon="plus-square"] What type of properties does Sherman Bridge loan on?

Single family residential loans only. The property needs to be detached and below market value, the usual borrower is someone looking to become a landlord or rehab a property that can be sold for a profit. We do not provide funding for land or commercial real estate.

[fa icon="plus-square"] What are the requirements to qualify for a hard money loan?

Most of the underwriting is performed on the asset you are purchase verses the individual, although a credit score above 600 and a minimum of $30,000 in liquid assets is required. The loans are not available to first time homebuyers and the homes cannot be occupied by the purchaser during the life of the loan. Loans are only made to real estate investors.

[fa icon="plus-square"] How do we determine our loan amount?

Sherman Bridge determines the loan amount by appraisal. The appraisal is based on the scope of work and what the borrower plans to do to rehab the property. The appraiser will assign an after repair value to the home (ARV). In most cases Sherman Bridge will loan up to 70% of the after repair value but not to exceed 85% of the purchase price plus 85% of the cost of repairs. However some loan products are available to landlords that do not require a minimum down payment and 100% could be obtained.

[fa icon="plus-square"] Is a hard money loan considered “same as cash”, and what does that mean for buying distressed as-is properties?

When using hard money lenders most sellers will consider it same as cash and as we all know “cash is king”. Hard money loans do not have any financing contingencies unlike conventional bank financing. This allows you to purchase foreclosures, short sales, and any distressed property that is sold as-is requiring a cash purchase. Conventional financing doesn’t allow you to purchase distressed properties without repairs being made prior to closing and most distressed sellers will not perform any repairs. Additionally, hard money loans can be obtained and funded in a much shorter time frame. Our product is a true cash alternative.

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