Hard Money Lender Rhode Island
As the go-to hard money lender in Rhode Island, HardMoneyMan.com offers hard money loans in RI with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.
Where To Find Rhode Island Hard Money Lenders
The Leader in Hard Money Loans in Rhode Island
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Hard Money Lenders Providence RI | Fast Fix & Flip, Rental & Construction Loans
Welcome to HardMoneyMan.com LLC, your trusted direct hard money lender serving Providence, Rhode Island and surrounding areas. Since 1998, we’ve helped real estate investors secure fast, flexible financing for fix & flip projects, rental properties, ground-up construction, and more. With over 3,000 loans funded in Providence alone, we bring unmatched experience, market knowledge, and speed to every deal.
If you’re searching for hard money loans in Providence RI, you’ve come to the right place. Whether you’re flipping a single-family home on the East Side or investing in multifamily properties near Federal Hill, we offer investor-friendly terms, streamlined approvals, and closings in as little as 7–14 days.
We Lend in:
Providence, Warwick, Cranston, Pawtucket, East Providence, Woonsocket, Newport, Central Falls, Westerly, Valley Falls and other cities in Rhode Island
Why Choose HardMoneyman.com LLC in Providence?
We’re not just lenders—we’re real estate investors too. That means we understand your challenges, timelines, and goals. Here’s what sets us apart:
Direct Lending Since 1998 – No brokers or middlemen
Fast Closings – Most deals close in 7–14 days
Investor-Focused Support – Real guidance from seasoned rehabbers
Same-Day Rehab Draws – Via our Snap App, approved before noon ET
Transparent Loan Terms – No upfront fees or hidden conditions
No Income or Credit Verification – We qualify deals based on property and ARV
From seasoned flippers to first-time investors, we build loan packages that help you maximize profit, reduce stress, and close faster.
Loan Programs for Real Estate Investors in Providence
We fund a wide range of investment scenarios across Providence. Our core hard money products include:
| Â Loan Type | Â Key Features | ||
|---|---|---|---|
| Fix & Flip Loans | Up to 90% purchase + 100% rehab | No income docs | Close in 7–8 days |
| DSCR Rental Loans | 30-year fixed or interest-only | No tax returns | BRRRR-friendly terms |
| Spec Construction Loans | Lot equity accepted | Draws funded quickly | Flexible ground-up financing |
| Multifamily Investment Loans | 2–4+ unit financing and 5+ unit | Fast closings | Value-add strategies supported |
| Bridge & Cash-Out Loans | Short-term capital for acquisitions or equity pull-outs |
Rhode Island Hard Money Lender – Why Choose Us?
We're in the Business
We’ve rehabbed, sold and rented investment properties ourselves. We know what to look for so you can be confident that your project will result in profit.Â
We're a Direct Lender
We loan the money. We don’t find the money form someone else. This means you can rest easy knowing that if we approve your loan, it’s going to get funded. No surprises.
We're Fast and Efficient
We can give you preliminary approval in as little as 24 hours and have your loan closed and paid out in less than 7-10 days. We’re the most efficient hard money lender in Rhode Island.
We're Investor Focused
We consider you our partner and we want you to make money. We make it a point to look at our loans from all angles to make sure you’re going to get a fair return.Â