Best Hard Money Loans For Real Estate Investors

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We have the best tools and resources to answer all your investment questions. Invest in your success, and maximize your profit with a hard money loan. You can move forward in confidence with Sherman Bridge.


Our state-of-the-art resources are at your fingertips. We are here with you every step of the way, whether you’re online or on-the-go!


When it comes to decision-making, confidence is key. We provide the best source for tools, tips, and tricks to help you make the best decisions regarding your investment.


Our loan rates end where others begin, and are some of the lowest in the industry. With funding like this, you're on your way to a profitable return.


See what our customers have to say

I wanted to invest in real estate to boost my retirement funds but was nervous about finding the best lender. I was surprised how fast Sherman Bridge pre­approved me, and my rate was quoted way lower than any of the other lenders I had found. With the loan calculator, I compared Sherman Bridge's rate to other lenders and sure enough, I was getting a better deal than other lenders could offer. I’ve financed my investments with Sherman Bridge ever since. Retirement, here I come!
Albert Sullivan
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


Finance your investment success.

You are just three easy steps away from your financial future.

Finding the best financing for your real estate investment can be difficult, but Sherman Bridge makes this process easy! In just three steps, you can get a hard money loan for your property investment, and be on your way to closing your next deal in just one week.


It takes only 30-seconds to prequalify for a hard money loan, and preview your rate, term, and point structure in just a few clicks. In just 30-minutes you could be fully approved for investment financing.


Submit your request for a real estate investment loan, along with details of your investment property.


A Sherman Bridge Loan Officer will work with you to close on your real estate investment financing in as little as seven days.

It’s that simple! When you fund your real estate investment with a hard money loan from Sherman Bridge, it is just like using cash. With speed and convenience, Sherman Bridge’s hard money loans provide great investment financing, and, with resources like these, you will bring more leverage to the seller’s table. Your success is just around the corner, and with it, comes significant profit. Get started on your tomorrow, and get your pre-approval letter today!


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.

Start with our Fast Track Application here.

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.

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.

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. 

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.

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.

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.