What is Hard Money Lends?
Hard Money Lends is the website brand operated by Fortune Capital Financing LLC. We help investors, property owners and businesses explore private real estate financing through third-party lending partners and capital sources.
Are you a bank or do you fund loans with your own capital?
We are not a traditional bank and do not represent that we fund loans using our own capital. We work with lending partners to identify potential financing opportunities.
Where do you arrange financing?
Our focus is Florida real estate, with an emphasis on South Florida and other Florida markets. Each opportunity is evaluated individually.
What loan amounts and repayment periods are available?
We consider requests from $50,000 to $25,000,000, with repayment periods of 1–3 years. These are indicative ranges; available terms depend on the transaction and lending source.
What loan-to-value range do you consider?
An indicative LTV range is 60–75%. The applicable ratio depends on property type, transaction, valuation and lender requirements. This is not a guaranteed financing amount.
What are your interest rates and fees?
Rates, points, fees and other charges are determined on a case-by-case basis. Contact us for current programs and customized terms.
What supporting documents might be needed?
Depending on the transaction, documents may include a purchase contract, property photos, renovation scope and budget, estimated ARV, borrower identification, LLC or entity documents, title and insurance information, and other lender-requested items.
Do I need a Google account to apply?
No. Our website form accepts your financing request and supported documents without a Google account.
How quickly can a loan close?
Timing varies by the transaction, documentation, underwriting, property evaluation, title review and lending source. We work to provide timely responses, but do not guarantee approval or closing timelines.
Does submitting a request guarantee approval?
No. Submission is a request for review, not a commitment to lend. All financing is subject to the applicable lender’s approval and conditions.
Can I apply for an owner-occupied property?
Tell us the property’s occupancy when you submit a request. Availability depends on the program and lender requirements. We do not represent that every occupancy type is eligible.
How can I contact you?
Call 954-588-8805 or email contact@hardmoneylends.com.