Hard Money Lender - Utah Focus, Nationwide Reach
Fast Short-Term Loans for Real Estate Investors
Fast, asset-based funding for fix & flip, bridge, and short-term deals. We focus on the property and your exit strategy—not endless paperwork.
Text or call Ryan Davies directly to discuss your deal strategy
Ryan Davies
Principal | Private Hard Money Deal Strategy & Structure
Licensed Mortgage Broker • Real Estate Broker • Business Broker
15+ Years Real Estate Investing & Deal Structuring
Over 45+ Five-Star Google™ Reviews
Contact us and you'll see why investors trust us
Fast Deal Reviews
Quick feedback on your deals. We move at the speed of your opportunity.
Asset-Based Lending
We focus on property value and deal structure—not mountains of paperwork.
Investor-Focused
Lending solutions built for real estate investors who need flexible funding.
Short-Term Solutions
Bridge the gap between purchase and permanent financing.
Hard Money Programs
Flexible lending for investors at every stage of their project. From fix & flip financing to bridge loans and construction financing, we offer solutions for Utah real estate investors.
PopularFix & Flip Loans
Finance property purchases and renovations for resale.
Bridge Loans
Transitional funding between real estate transactions.
Refinance Loans
Exit your hard money loan or access equity in your properties.
Construction & Land
Ground-up construction and major rehab financing.
Commercial & Multifamily
Hard money for commercial real estate deals.
Hard Money Education
Learn the fundamentals of hard money lending.
What is Hard Money Lending?
Hard money loans are short-term, asset-based financing secured by real estate. Unlike traditional banks that focus on credit scores and income, hard money lenders prioritize property value and exit strategy. This makes hard money loans ideal for real estate investors in Salt Lake City, Utah County, and throughout Utah who need fast funding.
This allows investors to access capital quickly—often in 7-14 days. Ideal for fix & flip projects, bridge loan situations, or properties that don't qualify for conventional financing. Hard money loans are particularly valuable for time-sensitive real estate deals where speed matters more than long-term interest rates.
As a Utah hard money lender, we understand the local real estate market and can provide fast, flexible financing for investors throughout the state and nationwide.
Why Investors Choose Hard Money
- Real deal reviews by experienced professionals
- Asset-focused underwriting
- Flexible terms for experienced investors
- Fast response times
- Clear communication throughout
- Solutions for complex deals
How Our Hard Money Process Works
Getting funded doesn't need to be complicated. Here's how our process typically works with our lending partners.
Quick Deal Check
Call or text Ryan Davies directly at 801-205-1635 with a short loan request or deal summary. Ryan reviews your deal, helps with strategy and structure, and coordinates with our lending partners. We'll quickly let you know if the deal looks like a fit and outline potential terms and next steps.
Provide Basic Documents
If the deal moves forward, we'll request additional information as needed: purchase contract (if applicable), property details and scope of work, borrower or entity information, and any existing inspections or reports.
Title & Property Review
Title is ordered through a licensed title company. If required, a valuation or inspection will be scheduled directly with you. All third-party costs are paid by the borrower and are non-refundable.
Insurance & Closing
Once title and property review are complete, required property insurance must be in place. Loans close through a title company and funds are disbursed at settlement. All loans are business-purpose only and non-owner occupied.
Exit – Sell or Refinance
Within the loan term, the property is sold or refinanced and the loan is paid off in full. A successful deal often makes future approvals faster and easier.
Ready to get started? Learn more about hard money loans or explore our free educational resources.
Hard Money vs. Traditional Bank Loans
Understanding when hard money makes sense for your real estate investment strategy.
| Feature | Hard Money | Traditional Bank |
|---|---|---|
| Funding Speed | 7-10 business days (most deals) | 30-60+ days |
| Approval Focus | Property value & exit strategy | Credit score & income |
| Loan Term | 1 day - 24 months (most 6 months) | 15-30 years |
| Property Condition | Can fund as-is or fixer-upper | Good condition required |
| Property Type | Investment properties only (non-owner occupied) | Primary residence or investment |
| Best For | Fix & flip, bridge, time-sensitive deals | Long-term holds, primary residence |
Learn more about how hard money loans work and when they make sense for your investment strategy.
Typical Loan Terms
Terms vary by deal and lending partner. The following ranges represent typical terms for most deals.
Interest Rates
Loan Terms
Origination Fees
1 point = 1% of loan amount
Loan Amounts
Closing Timeframe
Rehab Financing
Most deals require 10-20% of purchase price down or cross-collateral
NO PRIMARY RESIDENCES • NON-OWNER OCCUPIED ONLY • BUSINESS AND COMMERCIAL USE ONLY
All loans are business-purpose only and non-owner occupied. We do not provide financing for primary residences or consumer loans.
Ready to Fund Your Next Deal?
Text Ryan Davies directly for a fast review. Ryan helps structure your deal and coordinates with our lending partners. Or use our deal calculators to analyze your opportunity.
Utah Market Specialists
Deep local market knowledge with fast, flexible hard money solutions. Utah is our primary market, and we work with lending partners to serve investors nationwide.