The #1 Hard Money Lenders Arkansas since 1998 for Real Estate Investors

As one of the go-to hard money lenders in Arkansas, HardMoneyMan.com offers hard money loans in AR with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.

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Where To Find Arkansas Hard Money Lenders

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The Leader in Hard Money Loans in Arkansas

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American Association of private lenders member

Hard Money Lenders Arkansas for Real Estate Investors

As the leading Hard Money Lenders Arkansas, Hardmoneyman.com LLC lends to real estate investors throughout the state. Specializing in fix and flip loans as well as rental loans, we have closed over 1,700 hard money loans in Arkansas since 1998, making us one of the oldest hard money lenders in the country. Regardless of what part of Arkansas, we are the go-to residential hard money lenders in AR thanks to our ability to close quickly. 

We pride ourselves on being second to none in understanding all real estate markets that we lend in and understanding the borrower’s objectives before putting together a loan proposal for them.  If you’re looking for funding for your investment properties, single family up to 20 units, we are your lender! 

Our niche is 1-4 unit residential properties that you are either going to fix and flip or hold as a 30 year rental, or ones that you are building (ground up construction). We will look at 5+ unit apartment buildings that are in need of rehab or are stabilized.

Ken has been a hard money lender for over 25 years. He has funded over 25k deals for investors in that time. Ken specializes in fix and flips, ground up spec construction and 30 year DSCR loans. He is also a real estate investor in NJ and NY.

We Lend in:

Little Rock, Fayettville, Fort Smith, Springdale, Jonesboro, North Little Rock, Conway, Rogers, Pine Bluff, Bentonville and most cities in Arkansas

Fix and Flip Loans Arkansas – Little Rock

When real estate investors in Arkansas are in need of fix and flip loans in Arkansas, rental property as well as rental portfolio loans, 5+ unit multifamily bridge and 30-year loans, and ground-up construction loans, it turns out the #1 choice for real estate investor funding in Arkansas is HardMoneyman.com LLC. 

This is where we separate ourselves from other lenders, we underpromise and overdeliver time after time! You speak with a decision-maker on all phone calls and by email (you can even text us too!) not some account executive that is just reading off their product matrix and hoping to fit your loan in their box. 

From Little Rock to Fayetteville, Hardmoneyman.com LLC has helped real estate investors from new to experienced achieve their investment goals. Regardless of your location in Arkansas, Hardmoneyman.com LLC is there to help you achieve your funding needs. 

Our quick and efficient process from intake to underwriting to closing, and then draws done in-house with our construction team, make us the market-leading hard money lenders in Arkansas. 

Contact us today and discover why we are the premier lender for Arkansas real estate investors. 

 Don’t make the BIG mistake of trusting just any hard money lender in Arkansas for your deals.

Hardmoneyman.com LLC is #1 in the industry for hard money loans in Arkansas for a reason.

We close! It’s that simple. 

Arkansas has some of the hottest real estate investing markets like Fayetteville-Springdale-Rogers, Texarkana, Hot Springs, Jonesboro, and West Memphis. HardMoneyman.com LLC has closed loans for rehabs, ground-up construction as well as rentals in all of them!

If you’re a local real estate investor in Arkansas and you’re looking for a place to get info, education, find a mentor or even meet possible partners in your next deal, you should try out the Arkansas REIA.

Are you looking to get a fix and flip loan in Arkansas or buy a rental in Little Rock Arkansas, but not sure how the market is in your part of the state? Check out this article for some advice about investing in real estate in Little Rock Arkansas in 2022.

We offer Arkansas hard money loans for the following programs:

Arkansas Fix and Flip Loans

Wisconsin-Construction-Loans-HardMoneyMan (1)

Arkansas Construction Loans

Arkansas Rental Loans

Arkansas Multi Family Loans

Shaun Dozier
Shaun Dozier
2022-10-27
My company has closed over 5 deals with Ken Vesely . He's very knowledgeable and will get it done . Good communication and responsive!
Demetri Williams
Demetri Williams
2021-04-09
This is the best lender I've used for all my deals. Very fast and efficient. Never any glitch always a smooth sail to closing. Don't waste your time using someone else.
Dario Olivere
Dario Olivere
2021-01-05
I have closed multiple deals with Ken. He’s to the point, very straight forward and won’t lead you on. He’s helped guide me along the way. I will always recommend him to my friends and I will always use him for my deals.
Tom Tinsey
Tom Tinsey
2021-01-05
This was my first time using any type of hard money financing so I had tons of questions along the way. Ken answered every one and even helped me out a lot with great recommendations as far as building my real eatate portfolio. Look forward to working with him on future deals and would recommend. No nonsense. No bs. All buisness!!
Brandi Pernell
Brandi Pernell
2021-01-05
The experience my husband’s and my company (Kingdom Realty, LLC) had with HardMoneyMan.com, LLC/Ken Vesely was five-star, from our very first interaction to closing. Ken is efficient, responsive, transparent and extremely knowledgeable. He kept his word on all things discussed, with no surprises along the way, which is extremely important with matters such as these. This was Kingdom Realty LLC's first experience with a hard money loan. Ken took the time to answer all of our questions and taught us a lot throughout our loan approval process. We closed our deal in less than 30 days; and would have closed sooner had it not been for the holidays. We are very much looking forward to working with HardMoneyMan.com LLC for our next deal, and strongly recommend this company to others looking to invest in real estate, close a deal quickly, and learn some tips along the way.
Christian Rodriguez
Christian Rodriguez
2020-10-22
I have worked with Ken multiple times and every transaction was a breeze if I have to recommend a straight forward Hard Money Lender, Ken is the man to go with
Christina McCann
Christina McCann
2020-03-03
Great company great experience
Joe Matthews
Joe Matthews
2020-01-09
Dealing with Ken and his team is flawless. The process is very streamline from start to finish with excite communication throughout the process

Why Hardmoneyman.com LLC for your Arkansas hard money loan?

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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. 

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We're a Direct Lender

We loan the money. We don’t find the money from someone else. This means you can rest easy knowing that if we approve your loan, it’s going to get funded. No surprises.

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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 one of the most efficient hard money lenders in Arkansas.

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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. 

Unlocking Financing Opportunities: How Hard Money Lenders Arkansas Can Fund Your Real Estate Ventures

Looking to invest in the flourishing real estate market in Arkansas but struggling to secure financing? Look no further than hard money lenders Arkansas. These specialized lenders offer quick and flexible financing solutions, making them an ideal option for real estate ventures.

Whether you’re a seasoned investor or diving into your first property investment, hard money lenders Arkansas can provide the funding you need with minimal hassle.

With their speedy approval process, hard money lenders Arkansas can fund your real estate ventures in a matter of days, allowing you to take advantage of time-sensitive opportunities. Additionally, their flexible terms and interest rates ensure that your repayment plan fits your investment strategy.

So, if you’re ready to unlock financing opportunities for your real estate ventures in Arkansas, consider partnering with hard money lenders Arkansas who understand the unique needs of real estate investors. With their expertise, you can bring your property investment dreams to life.

Understanding hard money lending

Hard money lending is a type of financing that focuses on the value of the property being purchased rather than the borrower’s creditworthiness. Traditional lenders, such as banks, often rely heavily on credit scores and income verification, making it difficult for some real estate investors to secure financing. Hard money lenders, on the other hand, base their lending decisions on the property’s value and potential, the borrowers real estate experience and have a lower credit bar.

These lenders are typically private individuals or companies who have a deep understanding of the real estate market. They offer short-term loans that are secured by the property itself. This means that if the borrower fails to repay the loan, the lender can take ownership of the property and sell it to recoup their investment.

Hard money lenders Arkansas specialize in funding real estate ventures, ranging from residential properties to commercial buildings. They understand the unique challenges and opportunities that come with investing in the Arkansas market, making them an invaluable resource for real estate investors.

Benefits of using hard money lenders Arkansas

There are several benefits to partnering with hard money lenders Arkansas for your real estate ventures. Firstly, they offer quick approval and funding. Traditional lenders can take weeks or even months to process a loan application, causing delays and missed opportunities. Hard money lenders, on the other hand, can approve and fund a loan within days, allowing you to move forward with your investment plans without unnecessary delays.

Secondly, hard money lenders Arkansas offer flexible terms and interest rates. Unlike traditional lenders who have strict criteria and standardized rates, hard money lenders can tailor their terms and rates to meet your specific needs. This flexibility allows you to structure your repayment plan in a way that aligns with your investment strategy.

Additionally, hard money lenders are more willing to finance properties that traditional lenders may deem too risky. If you’re investing in a property that requires significant repairs or renovations, traditional lenders may shy away from providing financing. Hard money lenders, however, focus on the property’s potential and are more willing to finance projects that have high-profit potential.

How to qualify for a hard money loan

Qualifying for a hard money loan is typically easier compared to traditional bank loans. While creditworthiness and income play a role in the approval process, hard money lenders primarily focus on the value of the property being financed. Here are some key factors that hard money lenders Arkansas consider when evaluating loan applications:

1. Property value: The property being financed is the primary consideration for hard money lenders. They assess its current value and potential after improvements or renovations. The property should have a strong market value and the potential to generate a return on investment.

2. Exit strategy: Hard money lenders want assurance that their investment will be repaid. They consider the borrower’s exit strategy, such as selling the property or refinancing with a traditional lender, to ensure they will receive their funds back.

3. Down payment or equity: Hard money lenders often require a significant down payment or equity in the property. This serves as a safeguard for the lender and shows the borrower’s commitment to the investment.

4. Experience and track record: While not always a requirement, having previous experience in real estate investing can increase your chances of qualifying for a hard money loan. Lenders feel more confident lending to borrowers who have a proven track record of successful investments.

By understanding these key factors, you can position yourself to qualify for a hard money loan from lenders in Arkansas. Being prepared and having a clear plan for your investment will greatly improve your chances of securing financing.

Finding the right hard money lender in Arkansas

Finding the right hard money lender Arkansas is crucial for your real estate ventures. Here are some tips to help you find a reputable and reliable lender:

1. Research and compare: Take the time to research different hard money lenders in Arkansas. Look for lenders with experience in financing real estate projects similar to yours. Compare their terms, interest rates, and reputation in the industry.

2. Seek recommendations: Reach out to other real estate investors or professionals in the industry for recommendations. They can provide valuable insights and direct you to lenders they have successfully worked with in the past.

3. Check credentials and licensing: Ensure that the hard money lender you choose is licensed and operates within the legal framework of Arkansas. This will protect you from potential scams or fraudulent lenders.

4. Read reviews and testimonials: Look for reviews and testimonials from previous borrowers to gauge the lender’s reputation and customer satisfaction. Positive feedback and success stories are indicators of a reliable lender.

5. Interview potential lenders: Once you have shortlisted a few potential lenders, schedule interviews to discuss your project and ask any questions you may have. This will give you a better understanding of their expertise and ability to meet your financing needs.

By carefully selecting a reputable hard money lender in Arkansas, you can establish a long-term partnership that will support your real estate ventures.

The application process for a hard money loan

The application process for a hard money loan is typically simpler and faster compared to traditional bank loans. While the exact requirements may vary between lenders, here is a general overview of the application process:

1. Property evaluation: The lender will evaluate the property you intend to finance to determine its value and potential. They may conduct an appraisal or rely on their own assessment.

2. Loan application: You will need to complete a loan application form provided by the lender. This includes providing information about the property, your investment plans, and your financial situation.

3. Supporting documents: You will be required to submit supporting documents, such as property documents, proof of income, and personal identification. These documents help the lender assess your eligibility and evaluate the loan application.

4. Loan review and approval: The lender will review your application and supporting documents to assess the risk and determine whether to approve the loan. This process typically takes a few days.

5. Loan terms and agreement: If your loan application is approved, the lender will present you with the loan terms and agreement. This outlines the repayment schedule, interest rate, and any other conditions of the loan.

6. Funding: Once you accept the loan terms and agreement, the lender will provide the funds. The funds are often disbursed in stages, with additional funds released as the project progresses.

By understanding the application process, you can prepare the necessary documents and information to expedite the loan approval process.

Common terms and conditions of hard money loans

Hard money loans have specific terms and conditions that borrowers should be aware of. While these terms may vary between lenders, here are some common ones to look out for:

1. Loan-to-value ratio (LTV): The LTV ratio represents the percentage of the property’s value that the lender is willing to finance. Hard money lenders typically offer LTV ratios ranging from 60% to 80%, depending on the property type and condition.

2. Interest rates: Hard money loans often come with higher interest rates compared to traditional bank loans. The rates can range from 8% to 15%, depending on various factors such as the borrower’s creditworthiness and the perceived risk of the investment.

3. Points: Points are additional fees charged by the lender, usually as a percentage of the loan amount. Each point represents 1% of the loan amount. For example, if you borrow $100,000 and the lender charges 2 points, you will pay an additional $2,000.

4. Loan term: Hard money loans are short-term loans, typically ranging from 1 to 2 years. The shorter loan terms allow the lender to recoup their investment quickly.

5. Prepayment penalty: Some hard money lenders may impose a prepayment penalty if you repay the loan before the agreed-upon term. This penalty is designed to compensate the lender for potential lost interest.

Understanding these terms and conditions will help you assess the overall cost and feasibility of a hard money loan for your real estate ventures in Arkansas.

Examples of real estate ventures funded by hard money lenders in Arkansas

Hard money lenders Arkansas have financed various real estate ventures, including:

1. Fix and flip properties: Real estate investors often buy distressed properties, renovate them, and sell them for a profit. Hard money lenders provide the necessary funds to purchase and renovate the property, allowing investors to quickly complete the project and sell it for a profit.

2. Rental properties: Investors looking to build a rental property portfolio can benefit from hard money loans. The funds can be used to purchase and renovate properties, with the rental income serving as a repayment source.

3. Commercial properties: Hard money lenders in Arkansas also finance commercial real estate ventures, such as office buildings, retail spaces, and warehouses. These loans provide investors with the necessary capital to purchase and improve commercial properties, allowing them to generate income through leasing or selling.

4. Land development: Hard money lenders can also finance land development projects, including subdivisions and infrastructure development. These loans enable developers to acquire land and carry out the necessary improvements to make the land marketable.

These are just a few examples of the real estate ventures that hard money lenders Arkansas have funded. The flexibility and speed of hard money loans make them a versatile financing option for various investment strategies.

Tips for successful real estate investments with hard money loans

To maximize your success when using hard money loans for real estate investments in Arkansas, consider the following tips:

1. Conduct thorough due diligence: Before investing in a property, thoroughly research the market, neighborhood, and potential risks and rewards. This will help you make informed decisions and minimize potential pitfalls.

2. Have a solid business plan: Develop a detailed business plan that outlines your investment strategy, timeline, and expected returns. This will not only help you secure financing but also serve as a roadmap for your project.

3. Build a reliable network: Surround yourself with a team of professionals, including real estate agents, contractors, and property managers. A strong network will help you navigate the real estate market and ensure your investments are successful.

4. Keep an eye on market trends: Stay up-to-date with the latest trends and changes in the real estate market in Arkansas. This will help you identify emerging opportunities and make strategic investment decisions.

5. Maintain open communication with your lender: Regularly communicate with your hard money lender, providing updates on the progress of your project. This will demonstrate your commitment and professionalism, potentially opening doors for future financing opportunities.

By following these tips, you can increase your chances of success and maximize the potential returns on your real estate investments with hard money loans.

Risks and considerations when using hard money lenders

While hard money loans offer numerous benefits, it’s important to be aware of the risks and considerations involved. Here are a few key points to keep in mind:

1. Higher interest rates and fees: Hard money loans often come with higher interest rates and fees compared to traditional bank loans. This higher cost of financing can impact your overall profitability, so it’s essential to carefully consider the potential returns on your investment.

2. Short loan terms: Hard money loans are typically short-term, which means you need to have a clear exit strategy in place. Failing to repay the loan within the agreed-upon term can result in additional fees and potential loss of the property.

3. Property valuation risks: Hard money lenders heavily rely on property valuations to determine the loan amount. If the property is overvalued or the market takes a downturn, it can negatively impact your investment.

4. Limited recourse options: In the event of default, hard money lenders have the right to take ownership of the property to recoup their investment. This can be a risk if you’re unable to repay the loan or if the property’s value significantly decreases.

5. Lack of regulatory oversight: Unlike traditional banks, hard money lenders may operate with less regulatory scrutiny. It’s crucial to thoroughly research and select a reputable lender to minimize the risk of scams or fraudulent practices.

By understanding these risks and considerations, you can make informed decisions and mitigate potential challenges when using hard money loans for real estate investments in Arkansas.

Conclusion: Leveraging hard money lenders for real estate success

Hard money lenders Arkansas provide real estate investors with an alternative financing option that is quick, flexible, and tailored to their needs. By partnering with these specialized lenders, you can unlock financing opportunities for your real estate ventures and take advantage of time-sensitive investments.

Understanding the unique benefits, application process, and common terms and conditions of hard money loans will position you for success. By conducting thorough due diligence, building a reliable network, and staying informed about market trends, you can maximize the potential returns on your real estate investments.

However, it’s important to consider the risks and limitations of hard money loans, such as higher interest rates, short loan terms, and property valuation risks. By carefully weighing these factors and selecting a reputable hard money lender, you can mitigate potential challenges and leverage their expertise to achieve real estate success in Arkansas.

So, if you’re ready to embark on your real estate investment journey in Arkansas, consider exploring the financing opportunities offered by hard money lenders. With their support, you can turn your property investment dreams into a profitable reality.

Shaun Dozier
Shaun Dozier
2022-10-27
My company has closed over 5 deals with Ken Vesely . He's very knowledgeable and will get it done . Good communication and responsive!
Demetri Williams
Demetri Williams
2021-04-09
This is the best lender I've used for all my deals. Very fast and efficient. Never any glitch always a smooth sail to closing. Don't waste your time using someone else.
Dario Olivere
Dario Olivere
2021-01-05
I have closed multiple deals with Ken. He’s to the point, very straight forward and won’t lead you on. He’s helped guide me along the way. I will always recommend him to my friends and I will always use him for my deals.
Tom Tinsey
Tom Tinsey
2021-01-05
This was my first time using any type of hard money financing so I had tons of questions along the way. Ken answered every one and even helped me out a lot with great recommendations as far as building my real eatate portfolio. Look forward to working with him on future deals and would recommend. No nonsense. No bs. All buisness!!
Brandi Pernell
Brandi Pernell
2021-01-05
The experience my husband’s and my company (Kingdom Realty, LLC) had with HardMoneyMan.com, LLC/Ken Vesely was five-star, from our very first interaction to closing. Ken is efficient, responsive, transparent and extremely knowledgeable. He kept his word on all things discussed, with no surprises along the way, which is extremely important with matters such as these. This was Kingdom Realty LLC's first experience with a hard money loan. Ken took the time to answer all of our questions and taught us a lot throughout our loan approval process. We closed our deal in less than 30 days; and would have closed sooner had it not been for the holidays. We are very much looking forward to working with HardMoneyMan.com LLC for our next deal, and strongly recommend this company to others looking to invest in real estate, close a deal quickly, and learn some tips along the way.
Christian Rodriguez
Christian Rodriguez
2020-10-22
I have worked with Ken multiple times and every transaction was a breeze if I have to recommend a straight forward Hard Money Lender, Ken is the man to go with
Christina McCann
Christina McCann
2020-03-03
Great company great experience
Joe Matthews
Joe Matthews
2020-01-09
Dealing with Ken and his team is flawless. The process is very streamline from start to finish with excite communication throughout the process

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