Capital that
moves as fast
as you do.
We lend our own money to serious investors — no brokers, no committees, no delays. Based in NYC metro and Long Island, with deals considered in other states case by case.
More than 30 years in real estate, finance & consulting.
Our leadership brings more than 30 years of combined experience in real estate, finance, and consulting, including a background on Wall Street. We’re also owners of a family-run mortgage bank lending nationwide — giving The Hard Money Guys the capital strength and underwriting discipline of an institutional lender, with the speed and directness of a private one.
Four programs built for NYC investors.
Extension options are available on all loan programs.
Fix & Flip
Acquire and renovate distressed properties. We fund acquisition and rehab costs in a single loan with a draw schedule for renovation funds.
Bridge Loan
Short-term financing when you need to move fast — before your current property sells, while stabilizing a rental, or waiting on permanent financing.
New Construction
Ground-up financing for experienced developers building residential or mixed-use projects. Funds disbursed in milestone-based draws.
Cash-Out Refinance
Unlock equity from an existing NYC investment property to fund your next acquisition, cover renovation costs, or consolidate short-term debt.
Have a deal in mind?
Discuss Your Deal →We know this market.
NYC metro and Long Island are our core market — every deal we fund here is in our backyard. We’ll also consider strong deals in other states, case by case.
- Brooklyn
- Queens
- The Bronx
- Manhattan
- Staten Island
- Long Island
Our core focus is this market — but we’ll look at strong deals in other states too. Tell us where and what, and we’ll let you know.
Deal outside NYC metro or Long Island? Tell us about it.
Discuss Your Deal →When you work with a broker, you’re waiting on someone else’s timeline. When you work with us, you’re talking directly to the decision-makers.
Faster Decisions
No loan committees. No waiting on approvals from a distant fund. You talk directly to the people who decide, and get a direct answer on your deal.
No Middleman
We lend our own capital. That means no broker fees layered on top, no miscommunication, and no one between you and your funding.
Local Expertise
We’ve funded deals across every NYC borough and Long Island. We understand local values, zoning, and what makes a deal work here.
From acquisition to renovation — we fund the full deal.
Do you lend on owner-occupied properties?
What is the minimum loan amount?
What areas do you serve?
What is the maximum LTV you will lend?
How quickly can you close?
What are your rates and fees?
Do you work with first-time investors?
What types of properties do you lend on?
What if my deal doesn’t fit hard money (primary residence, smaller loan, or a longer timeline)?
Have a deal ready to go?
Fund Now →Submit your deal.
Tell us about your project and we’ll get back to you directly — no obligation, no runaround.
Investment properties only · $200K minimum · NYC metro & Long Island
Draft language below, pending attorney review — not final until approved.
Terms of Use
By using this website you agree to these terms. The Hard Money Guys may update them at any time, and continuing to use the site after changes are posted means you accept the updated terms.
Disclaimer
We make reasonable efforts to keep this site accurate and current, but we don’t guarantee it. Loan terms, rates, and eligibility described here are general information only — not a commitment to lend — and are subject to change without notice. Nothing on this site is financial, legal, or investment advice, and any decision you make based on it is your own responsibility.
Third-Party Links
This site may link to third-party sites, including our affiliated mortgage bank. We don’t control those sites and aren’t responsible for their content or accuracy. A link here isn’t an endorsement.
Privacy
We use the information you submit through our deal form — your name, contact details, and project information — only to evaluate and respond to your funding request. We don’t sell your information to third parties. A full privacy policy is pending legal review.
[Licensing & compliance disclosures — attorney review pending]
© 2026 The Hard Money Guys. All rights reserved.
The Hard Money Guys is a division of CAC Investment Strategies, LLC — also the parent company of The Church Lender.
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